| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $495 | $5K | 3.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PKWY COLUMBUS, GA 31904 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $3K | $257 | $3K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $1K | — | $1K | 1.86% |
| PARAGON BENEFITS, INC.5 | P.O. BOX 12288 COLUMBUS, GA 31917 | PARAGON BENEFITS, INC. | — | $1K | $1K | 6.71% |
| SEE ATTACHED3 | ATTACHED VARIOUS, GA 31904 | AFLAC | $1K | — | $1K | 12.28% |
| NAVITECH3 | 8215 ROYAL SAINT GEORGES WAY DULUTH, GA 30097 | LEGAL ACCESS PLANS, LLC | — | $251 | $251 | 34.96% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 134 | $129K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $172K |
| Vision(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 220 | $54K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $211K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $211K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 629 | $172K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 134 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.