| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 15.03% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $395 | $395 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39 | — | $39 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA | $6K | $4K | $10K | 23.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA | $528 | $353 | $881 | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 16.63% |
| BRUCE A VAN RYN3 | 3053 RIVERDALE DR SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.27% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| ERIC J CONDRON3 Filed as: ERIC J CORDON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP | $2K | $134 | $2K | 10.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | — | $37 | $37 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $621 | $2K | 14.34% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $505 | $505 | 4.18% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $98 | $98 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR. STE 100 DULUTH, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | — | $97 | 0.80% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE | $606 | — | $606 | 11.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNUM LIFE | $202 | — | $202 | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | CIGNA LIFE INSURANCE CO OF NEW YORK | $71 | $9 | $80 | 22.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $190K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 ADMINISTRATOR HEALTH | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $11K |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 290 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $47K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA | 239 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.