| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE BUILDING 1 SUITE 100 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $15K | $101K | 10.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 300 WEST TENTH STREET PO BOX 70 WEST POINT, GA 318330070 | PRINCIPAL LIFE INSURANCE | $99K | — | $99K | 13.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE BUILDING 1 SUITE 100 JOHNS CREEK, GA 30097 | PRINCIPAL LIFE INSURANCE | — | $15K | $15K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P O BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122K | — | $122K | 41.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE BUILDING 1 SUITE 100 JOHNS CREEK, GA 30097 | VISION SERVICE PLAN | $3K | — | $3K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE BUILDING 1 SUITE 100 DULUTH, GA 30097 | DELTA CARE USA DENTAL | $3K | — | $3K | 10.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0441200 PHARMACY MANAGER | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $2.8M |
| UMR INC EIN 39-1995276 HLTH CLAIMS PROCESSOR | Claims processing Service code 12 | — | $446K |
| J SMITH LANIER & COMPANY EIN 58-1513334 BROKER | Other commissions Service code 55 | 300 W 10TH ST WEST POINT, GA 31833 | $48K |
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 | 907 | 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) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,732 | $959K |
| Vision | VISION SERVICE PLAN | 767 | $117K |
| Life insurance | PRINCIPAL LIFE INSURANCE | 1,072 | $730K |
| Short-term disability | PRINCIPAL LIFE INSURANCE | 1,072 | $730K |
| Long-term disability | PRINCIPAL LIFE INSURANCE | 1,072 | $730K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 954 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,732 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.