| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | PO BOX 601478 CHARLOTTE, NC 282601478 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 300971578 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 2.03% |
| TRANSAMERICA AGENCYNETWORK, INC.3 Filed as: TRANSAMERICA LIFE - SEE LISTING | 4333 EDGEWOOD ROAD NE CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 29.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $257 | $2K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR - BLDG 1 STE 100 JOHNS CREEK, GA 30097 | UNITED CONCORDIA INSURANCE COMPANY | $845 | — | $845 | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNITED CONCORDIA INSURANCE COMPANY | — | $211 | $211 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 60147 CHARLOTTE, NC 282601478 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $500 | — | $500 | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $319 | — | $319 | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA | 3475 PIEDMONT RD NE STER 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $106 | $1K | 13.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR - BLDG 1 STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $527 | — | $527 | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $88 | $88 | 1.00% |
| THE URQUHART GROUP INC3 | 2787 SADDLEBROOK WAY NW MARIETTA, GA 300641269 | METROPOLITAN LIFE INSURANCE COMPANY | $730 | — | $730 | 14.59% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $519K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 36 | $21K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 128 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $14K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 716 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.