| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | 300 W 10TH ST WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 1330 NORTH PARK STREET CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | 611 POINTE NORTH BLVD ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 1330 NORTH PARK ST CARROLLTON, GA 30117 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 13.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | FIRST UNUM LIFE INSURANCE COMPANY | — | $85 | $85 | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-0469845 ASO PPO PROVIDER | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other commissions; Insurance agents and brokers; Other services Service code 12 | — | $1.0M |
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 HMO PROVIDER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $70K |
| ANCHOR BENEFITS CONSULTING EIN 59-3283085 DENTAL CLAIMS PROVIDER | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $8K |
| J SMITH LANIER & COMPANY BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 200 BROOKSTONE CENTER PKWY STE 118 COLUMBUS, GA 31904 | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,731 | $404K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 2,195 | $104K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $350K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $350K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $350K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,054 | $1.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,195 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.