| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 13.02% |
| BENEFIT PLANNING CONCEPTS INC3 | 2512 BEXLEY COURT SNELLVILLE, GA 30078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $476 | — | $476 | 0.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21 | $21 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY LLC | PO BOX 70 WEST POINT, GA 31833 | EMPLOYEE BENEFIT MANAGMENT SERVICES | $45K | — | $45K | 22.27% |
| CLYDE PHILLIPS3 | 370 FAIRWAY CIRCLE MONROE, GA 30656 | SUNLIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 14.10% |
| JP CAPITAL & INSURANCE COMPANY3 Filed as: JP CAPITAL INSURANCE INC | 264 ALABAMA BLVD JACKSON, GA 30233 | SUNLIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY LLC | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| BENEFIT PLANNING CONCEPTS INC3 | 2512 BEXLEY COURT SNELLVILLE, GA 30078 | METROPOLITAN LIFE INSURANCE COMPANY | $259 | — | $259 | 0.18% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $499K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $143K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 199 | $175K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 478 | $319K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $143K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 199 | $175K |
| Prescription drug | EMPLOYEE BENEFIT MANAGMENT SERVICES | 313 | $200K |
| Stop-loss / reinsurancereinsurance | EMPLOYEE BENEFIT MANAGMENT SERVICES | 313 | $200K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 478 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.