| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MMA | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | SKYWARD SPECIALTY INSURANCE | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $5K | — | $5K | 15.00% |
| KATHY SUE ENOCHS3 | 12770 MERIT DR SUITE 200 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | — | $2K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS | 12700 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | — | $878 | $878 | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 19.35% |
| BRUCE A VAN RYN3 Filed as: BRUCE ALBERT VAN RYN | 3053 RIVERDALE DR GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.18% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| TEDDY LEE EARLES3 | 445 ANSLEY DR ROSWELL, GA 30076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.08% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES LLC | 950 W. NORTON AVE STE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS | $2K | $336 | $2K | 12.11% |
| 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 | $208 | $2K | 15.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $1K | $6K | $8K | 79.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $707 | — | $707 | 14.99% |
| 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 | $468 | — | $468 | 10.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $156 | — | $156 | 3.46% |
| 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 | $485 | — | $485 | 11.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162 | — | $162 | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 161 WASHINGTON ST # 1200 STE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $515 | — | $515 | 20.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | ONE AMERICA | $91 | — | $91 | 15.04% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | RX BENEFITS INC | $4K | — | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER EIN 36-1436000 BROKER | Consulting (general); Insurance agents and brokers Service code 16 | — | $81K |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 176 | $10K |
| Vision | AMERITAS | 158 | $16K |
| Life insurance | ONE AMERICA | 277 | $10K |
| Short-term disability(3 contracts, 2 carriers) | ONE AMERICA | 43 | $21K |
| Long-term disability | ONE AMERICA | 102 | $53K |
| Prescription drug | RX BENEFITS INC | 256 | $0 |
| Stop-loss / reinsurancereinsurance | SKYWARD SPECIALTY INSURANCE | 237 | $415K |
| Other(6 contracts, 4 carriers) | ONE AMERICA | 277 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.