| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC TRION | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $72K | — | $72K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | P O BOX 71429 NEWNAN, GA 30271 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $14K | — | $14K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 10.35% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 6.96% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 6.79% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.43% |
| THOMAS DEAN BAXTER3 | 500 LANIER AVENUE W STE 912A FAYETTEVILLE, GA 30214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.27% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| SANDRA L SIEBERT3 Filed as: SANDRA L SEIBERT | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.07% |
| ANDREW D KOWN3 | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.98% |
| KAREN H SMITH3 | 145 CHURCH STREET NE SUITE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| ANDY B GLENN II3 Filed as: ANDY B GLENN | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| LINDA J MCCOY3 | 509 PINE STREET PALMETTO, GA 30268 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.87% |
| DEANNA CONN3 | 477 SOUTHERN HILLS DRIVE CALERA, AL 35040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $673 | — | $673 | 0.38% |
| DARYL PERRY3 | 1241 WADE GREEN COURT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | — | $642 | 0.37% |
| MARGARET P WEEKLEY3 | 172 ROSEN LANE STAUNTON, VA 24401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.31% |
| REBECCA K BENTON3 | 207 TWIN FALLS DRIVE SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $493 | — | $493 | 0.28% |
| DONNA N THOMAS3 | 71 MONTROSE LANE SHARPSBURG, GA 30277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $431 | — | $431 | 0.25% |
| HENRY DUNN INC3 Filed as: HENRY HIGGISON | 1832 MEREDITH DRIVE NW ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $346 | — | $346 | 0.20% |
| ALISON HLUCHOTA3 | 10 MEADOW RESERVE PLACE SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.08% |
| RUTH P YOUNG3 | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.05% |
| JUSTIN M GUIDI3 | 555 N PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $10K | 7.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 13.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 30263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: STMARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 30263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 30263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $659 | $2K | 14.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 302632885 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $731 | — | $731 | 5.93% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $82 | $3K | — |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $133K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $133K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $0 |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 439 | $47K |
| Other(5 contracts, 3 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | 613 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.