| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $19K | $8K | $27K | 8.12% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 47 POSTAL PARKWAY NEWNAN, GA 30263 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 3.89% |
| 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 | $14K | $6K | $20K | 21.15% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| 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 | $13K | $5K | $18K | 21.34% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFILED DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $17K | 21.36% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| 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 | $3K | $1K | $4K | 21.07% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $781 | $781 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS INC EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $348K |
| MARSH AND MCLENNAN AGENCY EIN 36-1436000 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $107K |
| PHCS EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $14K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $14K |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST INSURANCE COMPANY | 175 | $431K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $327K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $86K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 175 | $431K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.