| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY | — | $139K | $139K | 6.00% |
| UMR, INC.3 Filed as: UMR INC | MAILSTOP 7320 11 SCOTT ST STE 100 WAUSSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $70K | $70K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 16965 ATLANTA, GA 30321 | VISION SERVICE PLAN | $3K | — | $3K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | P O BOX 70 WEST POINT, GA 31833 | HEALTHIEST YOU | $25K | — | $25K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1031 W 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 16.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | 11330 LAKEFIELD DRIVE SUITE 100 BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS OF FLORIDA | $2K | $120 | $2K | 9.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $482K |
| J SMITH LANIER AND COMPANY EIN 58-1513334 BROKER | Other commissions Service code 55 | — | $172K |
| AMERICAN BENEFIT SERVICES LLC EIN 51-0489632 FSA ADMIN | Other services; Claims processing; Contract Administrator; Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $13K |
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 | 999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,854 | $812K |
| Vision | VISION SERVICE PLAN | 783 | $144K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $520K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 795 | $89K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 874 | $2.3M |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,854 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.