| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $8K | $2K | $9K | 18.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $5K | — | $5K | 15.00% |
| GPA3 | 12700 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | $847 | $3K | 13.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 19.28% |
| TEDDY LEE EARLES3 | 445 ANSLEY DR ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.14% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES LLC | 950 W NORTON AVE STE 201 MUSKEOGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.12% |
| WILLIAM M WARDLAW JR3 | 195 GARFIELD ST SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| WILLIAM M WARDLAW JR3 | 195 GARFIELD ST SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| BRUCE A VAN RYN3 | 3053 RIVERDALE DRIVE GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS | $2K | $326 | $2K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS | $1K | $215 | $2K | 15.92% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $820 | — | $820 | 11.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $273 | — | $273 | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $1K | $3K | $4K | 58.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $654 | — | $654 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $296 | — | $296 | 20.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $84 | — | $84 | 15.00% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | RX BENEFITS INC | — | $4K | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER EIN 36-1436000 BROKER | Insurance agents and brokers; Consulting (general) Service code 16 | — | $74K |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 151 | $10K |
| Vision | AMERITAS | 135 | $15K |
| Life insurance | ONE AMERICA | 249 | $7K |
| Short-term disability(2 contracts, 2 carriers) | ONE AMERICA | 36 | $13K |
| Long-term disability | ONE AMERICA | 99 | $51K |
| Prescription drug | RX BENEFITS INC | 225 | $0 |
| Other(7 contracts, 5 carriers) | SKYWARD SPECIALTY INSURANCE | 249 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
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.