| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $22K | $0 | $22K | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CTR PKWY SUITE 118 COLUMBUS, GA 31904 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $4K | $0 | $4K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE JOHNS CREEK, GA 30097 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $5K | $0 | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 13.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO. | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 14.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO. | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 13.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | P.O. BOX 70 WEST POINT, GA 31833 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.02% |
No Schedule C service providers reported on this filing.
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 183 | $1.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 104 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 188 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 105 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 104 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 105 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.