| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | HM LIFE INSURANCE COMPANY | $31K | — | $31K | 6.67% |
| HUTCHINSON TRAYLOR INS AGY3 | 200 BROAD STREET LAGRANGE, GA 30240 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CTR PKWY STE 118 COLUMBUS, GA 31904 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $9K | — | $9K | 6.57% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 30240 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $2K | — | $2K | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $2K | — | $2K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER A MARSH & MCLENNAN | 300 W 10TH ST WEST POINT, GA 31833 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER LLC | PO BOX 70 WEST POINT, GA 31833 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUESHIELD HEALTHCARE GA EIN 58-1638390 N/A | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $260K |
| BLUE CROSS AND BLUE SHIELD OF GA | Float revenue; Insurance brokerage commissions and fees; Claims processing; Insurance agents and brokers; Contract Administrator; Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $67K |
| BLUE CROSS BLUE SHIELD HEATHCARE GA | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue Service code 12 | — | $61K |
| BLUE CROSS BLUE SHIELD OF GA EIN 58-0469845 N/A | Insurance agents and brokers; Other fees; Float revenue; Other commissions; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $55K |
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 | 432 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE COMPANY | 374 | $462K |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 534 | $137K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 534 | $137K |
| Life insurance | AETNA LIFE INSURANCE CO. | 432 | $65K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 432 | $65K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 374 | $462K |
| Other | AETNA LIFE INSURANCE CO. | 432 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.