| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $8K | $1K | $9K | 16.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $5K | $723 | $6K | 17.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 16.27% |
| BRUCE A VAN RYN3 Filed as: BRUCE ALBERT VAN RYN | 3053 RIVERDALE DR GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.11% |
| TEDDY LEE EARLES3 | 394 TEAL CT ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| KATHY SUE ENOCHS3 | 12770 MERIT DR STE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | — | $2K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS | 12700 MERIT DRIVE STE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | — | $879 | $879 | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS | $2K | $341 | $2K | 12.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $2K | $234 | $2K | 11.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | ONE AMERICA | $1K | $229 | $2K | 15.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $2K | $7K | $8K | 80.73% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $595 | — | $595 | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $198 | — | $198 | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $571 | $87 | $658 | 17.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $566 | — | $566 | 20.01% |
| THE NIA GROUP3 | 161 WASHINGTON ST # 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $23 | $23 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $97 | $11 | $108 | 16.74% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | RX BENEFITS INC | — | $4K | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER EIN 36-1436000 BROKER | Insurance agents and brokers; Consulting (general) Service code 16 | — | $85K |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ONE AMERICA | 161 | $11K |
| Vision | AMERITAS | 154 | $16K |
| Life insurance | ONE AMERICA | 276 | $10K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 46 | $18K |
| Long-term disability | ONE AMERICA | 97 | $52K |
| Prescription drug | RX BENEFITS INC | 241 | $0 |
| Stop-loss / reinsurancereinsurance | SKYWARD SPECIALTY INSURANCE | 228 | $454K |
| Other(6 contracts, 4 carriers) | ONE AMERICA | 276 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.