| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CTR PKWY, STE 118 COLUMBUS, GA 31904 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA, INC. | $135K | $12K | $147K | 3.61% |
| PARTNERS BENEFIT GROUP LLC3 | P O BOX 7770 TIFTON, GA 31793 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 15.00% |
| DS-BSC LLC3 Filed as: DS-BSC LLC DBA TOTEM SOLUTIONS | P O BOX 4530 ALPHARETTA, GA 30023 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $69K | $6K | $75K | 25.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DRIVE, STE. 100 DULUTH, GA 30097 | GREATER GEORGIA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PKWY, STE. 11 COLUMBUS, GA 31904 | GREATER GEORGIA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | P O BOX 70 WEST POINT, GA 31833 | NATIONWIDE LIFE INSURANCE COMPANY | $6K | — | $6K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER AND CO. | P. O. BOX 70 WEST POINT, GA 31833 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 15.93% |
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 | 759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA, INC. | 995 | $4.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 765 | $297K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 604 | $38K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 759 | $191K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,045 | $379K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,045 | $379K |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 759 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.