| 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 INS CO | $4K | $2K | $6K | 14.39% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INS CO | — | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 19.50% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DR SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.51% |
| ERIC J CONDRON3 Filed as: ERIC J CORDON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.07% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 31721 | AMERITAS LIFE INSURANCE CORP. | — | $426 | $426 | 2.82% |
| 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 | $456 | $1K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE CO | — | $507 | $507 | 5.01% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE | $527 | — | $527 | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE | $176 | $3 | $179 | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 10880 SANDY OAK TRAIL WEST POINT, GA 31833 | CIGNA LIFE INSURANCE CO OF NEW YORK | $148 | $47 | $195 | 26.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMINSTRATOR HEALTH | Contract Administrator Service code 13 | 980 JOLLY ROAD BLUE BELL, PA 19422 | $206K |
| J SMITH LANIER EIN 58-1513334 BROKER | Claims processing Service code 12 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | $27K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 ADMINISTRATOR DENTAL | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $9K |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 297 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INS CO | 116 | $40K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $94K |
| 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.