| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BLVD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $460 | — | $460 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $389 | — | $389 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC | 600 MEMORIAL DRIVE WAYCROSS, GA 31501 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $88K |
| J. SMITH LANIER AND CO. EIN 36-1436000 NONE | Consulting (general); Insurance agents and brokers Service code 16 | PO BOX 70 WEST POINT, GA 318330070 | $25K |
| CIGNA PPO EIN 59-1031074 NONE | Other services; Claims processing Service code 12 | — | $22K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $9K |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $53K |
| Life insurance | STANDARD INSURANCE COMPANY | 101 | $25K |
| Short-term disability | STANDARD INSURANCE COMPANY | 127 | $29K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 126 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.