| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 300971578 | UNITEDHEALTHCARE INSURANCE COMPANY | $57 | $29K | $29K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 11330 LAKEFIELD DR, BLDG 1 SUITE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $736 | $736 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR - BLDG 1 STE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP | $4K | $1K | $5K | 12.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | — | -$66 | -$66 | -0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 11330 LAKEFIELD DR, BLDG 1 SUITE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 16.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY | — | $137 | $137 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO - JOHNS CREEK | PO BOX 70 WEST POINT, GA 31833 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $803 | — | $803 | 10.74% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $353K |
| Dental | AMERITAS LIFE INSURANCE CORP | 154 | $41K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 98 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $63K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $53K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $353K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.