| 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 | $5K | $2K | $7K | 14.26% |
| 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 | 19.33% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $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 | 19.23% |
| BRUCE A VAN RYN3 | 3053 RIVERWALE DR SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.51% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| ERIC J CONDRON3 Filed as: ERIC J CORDON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | $772 | — | $772 | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | $759 | — | $759 | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 611 POINTE NORTH BLVD ALBANY, GA 31721 | AMERITAS LIFE INSURANCE CORP. | — | $510 | $510 | 3.33% |
| 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 | $451 | $1K | 14.51% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE CO | — | $500 | $500 | 5.00% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE | $538 | — | $538 | 11.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE | $179 | — | $179 | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | CIGNA LIFE INSURANCE CO OF NEW YORK | $98 | — | $98 | 19.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 980 JOLLY ROAD BLUE BELL, PA 19422 | $211K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 ADMINISTRATOR HEALTH | 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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 312 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INS CO | 111 | $46K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.