| 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 | — | $20K | $20K | 2.75% |
| CORE BENEFIT SOLUTIONS LLC3 Filed as: CORE BENEFITS SOLUTIONS LLC | 1411 DUTCH VALLEY PL NE ATLANATA, GA 303245301 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.97% |
| 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 | $5K | — | $5K | 7.23% |
| CORE BENEFIT SOLUTIONS LLC3 Filed as: CORE BENEFIT SOLTUTIONS, LLC | 1411 DUTCH VALLEY PLACE ATLANTA, GA 30324 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $667 | $667 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR - BLDG 1 STE 100 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP | $2K | $400 | $2K | 6.82% |
| CORE BENEFIT SOLUTIONS LLC3 Filed as: CORE BENEFIT SOLUTIONS | 1411 DUTCH VALLEY PL NE ATALANTA, GA 303245301 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 4.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO - JOHNS CREEK | PO BOX 70 WEST POINT, GA 31833 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $498 | — | $498 | 6.33% |
| CORE BENEFIT SOLUTIONS LLC3 Filed as: CORE BENEFIT SOLUTIONS | 1411 DUTCH VALLEY PL, NE ATLANTA, GA 30324 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $225 | — | $225 | 2.86% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $725K |
| Dental | AMERITAS LIFE INSURANCE CORP | 143 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 97 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $69K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $725K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.