| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 200 BROOKSTONE CENTRE PKWY STE 118 COLUMBUS, GA 31904 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $22K | — | $22K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $9K | — | $9K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 206 EXCHANGE PL NW HUNTSVILLE, AL 35806 | MONY LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $13K | 18.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. OF AL INC. | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. OF AL INC. | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.02% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 116 | $665K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $68K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 128 | $104K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 128 | $104K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 128 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.