| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO, A MARSH & MCLE | P. O. BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| 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 | $5K | $11 | $5K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | P. O . BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORP | $14K | $661 | $15K | 13.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 317211514 | AMERITAS LIFE INSURANCE CORP | — | $2K | $2K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | FIRST UNUM LIFE INSURANCE COMPANY | — | $239 | $239 | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF GA EIN 58-0469845 ASO PPO PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $707K |
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 HMO PROVIDER | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $212K |
| BLUE CROSS BLU SHIELD HEALTHCARE | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $91K |
| J SMITH LANIER & COMPANY EIN 58-1638390 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | P. O. BOX 80707 ATLANTA, GA 30336 | $12K |
| MARSH & MCCLENNAN AGENCY LLC EIN 58-1638390 BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | $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 | 1,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,879 | $454K |
| Vision | AMERITAS LIFE INSURANCE CORP | 2,336 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $335K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $335K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $335K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,333 | $851K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 677 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,336 | — |
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."
No prospect flags tripped on this filing.