| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $2K | $9K | 19.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE CO | $23K | — | $23K | 54.32% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE CO | $481 | — | $481 | 1.14% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE CO | $130 | — | $130 | 0.31% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE CO | $41 | — | $41 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INS CO | $4K | $1K | $6K | 13.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 31721 | AMERITAS LIFE INSURANCE CORP. | — | $656 | $656 | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | $322 | $1K | 13.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 14.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 31721 | AMERITAS LIFE INSURANCE CORP. | — | $398 | $398 | 4.48% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE | $501 | — | $501 | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR BLDG 1 STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE | $167 | $14 | $181 | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 80707 ATLANTA, GA 30366 | CIGNA LIFE INSURANCE COMPANY OF NY | $378 | — | $378 | 19.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER & CO | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $5K |
| AETNA LIFE INSURANCE COMPANY | Contract Administrator Service code 13 | — | $3K |
| BLUE CROSS BLUE SHIELD OF GA | Other fees; Other services Service code 49 | — | $917 |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 139 | $9K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 297 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 86 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INS CO | 115 | $42K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE CO | 229 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.