| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | TOKIO MARINE - STOP LOSS GROUP | $16K | — | $16K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $4K | $150 | $4K | 8.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $5K | $111 | $6K | 15.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.77% |
| BRUCE A VAN RYN3 Filed as: BRUCE VAN RYN | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.14% |
| TEDDY LEE EARLES3 Filed as: TEDDY L EARLES | 394 TEAL CT ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.09% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW JR. | #MULTIVAL UE LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW JR. | 187 S CULER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS | $1K | $182 | $2K | 11.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCCLENNAN | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | ONE AMERICA | $1K | $32 | $1K | 10.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS | $1K | $126 | $1K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $944 | $23 | $967 | 15.36% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM | $684 | — | $684 | 11.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR BLDG 1 STE 100 JOHNS CREEK, GA 30097 | UNUM | $228 | — | $228 | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 19406 | ONE AMERICA | $675 | $15 | $690 | 15.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREE, GA 30097 | ONE AMERICA | $79 | $2 | $81 | 15.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $74 | $1 | $75 | 20.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $22 | — | $22 | 20.00% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | RXBENEFITS INC | — | $4K | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-3068979 ADMINISTRATOR | Other services; Plan Administrator; Claims processing Service code 12 | — | $163K |
| J SMITH LANIER EIN 36-1436000 BROKER | Insurance agents and brokers; Consulting (general) Service code 16 | — | $72K |
| PHCS EIN 13-3068979 ADMINISTRATOR | Other services; Plan Administrator; Claims processing Service code 12 | — | $7K |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 171 | $10K |
| Vision | AMERITAS | 347 | $15K |
| Life insurance | ONE AMERICA | 258 | $6K |
| Short-term disability(3 contracts, 3 carriers) | ONE AMERICA | 40 | $11K |
| Long-term disability | ONE AMERICA | 116 | $43K |
| Prescription drug | RXBENEFITS INC | 233 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE - STOP LOSS GROUP | 221 | $316K |
| Other(5 contracts, 3 carriers) | ONE AMERICA | 258 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.