| 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 | $9K | $42 | $9K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 300971578 | AMERITAS LIFE INSURANCE CORP | $11K | $3K | $14K | 13.12% |
No Schedule C service providers reported on this filing.
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 | 1,432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,781 | $452K |
| Vision | AMERITAS LIFE INSURANCE CORP | 2,417 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 702 | $431K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 702 | $431K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 702 | $431K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 702 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,417 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.