| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 70 WEST POINT, GA 31833 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $74K | — | $74K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANER AND COMPANY | P O BOX 70 WEST POINT, GA 31833 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $102K | — | $102K | 14.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 70 WEST POINT, GA 31833 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $50K | — | $50K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | P O BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56K | $10K | $66K | 18.24% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $17K | $37K | 10.30% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $5K | $16K | 4.43% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $541 | $6K | 1.69% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $936 | $3K | 0.93% |
| MITCHELL HECTOR MORALES3 | P O BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $398 | $3K | 0.73% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $404 | $3K | 0.70% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $551 | $452 | $1K | 0.28% |
| B V STONE INC3 Filed as: BV STONE INC | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $498 | $82 | $580 | 0.16% |
| BARBARA J LAKE3 | 226 N HIGH STREET MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $511 | $34 | $545 | 0.15% |
| DANIEL HALL3 | P O BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $14 | $442 | 0.12% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $397 | $22 | $419 | 0.12% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL STREET TAMPA, FL 33629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $37 | $270 | 0.07% |
| CD FRAZIER ASSOCIATES INC3 | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $5 | $98 | 0.03% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.03% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $1 | $83 | 0.02% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.02% |
| KLINGBELL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $1 | $78 | 0.02% |
| KURT LOREN UNGLAUB3 | 221 WARREN AVE THOMASVILLE, GA 31792 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $43 | $74 | 0.02% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $18 | $49 | 0.01% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.01% |
| WILLIAM BENJAMIN KIRKLAND3 | 1899 ATKINSON BLVD W PEARSON, GA 31642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 0.01% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DRIVE MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $7 | $28 | 0.01% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| WILLIAM KYZER3 | P O BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID E WYATT | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.00% |
| CHALSEE CANTRELL3 | 1007 THISTLE DRIVE MESQUITE, TX 75149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| GERALD A SANFTNER3 | 3306 KIRKWOOD DRIVE RAPID CITY, SD 57702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE ROAD EAGAN, MN 55122 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| B B AND T INSURANCE SERVICES INC3 Filed as: B B & T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| SHARON SIMPSON MCCLENDON3 | 4207 TURKEY CREEK ROAD PLANT CITY, FL 33567 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVE #112 TORRANCE, CA 90501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| APRIL MECHATTO3 | 5107 OBRYAN AVENUE GULFPORT, MS 39507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNITE E LA JOLLA, CA 92037 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| EMMA ANN DEAN3 | 350 SOUTH BELVEDERE DRIVE HAMPSTEAD, NC 28443 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| SUZANNE S HENDERSON-CIOTTI3 | 2619 HEDGEPATH TRAIL LOUISVILLE, KY 40245 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| VIRGINIA LEDER-CLARK3 | 5213 MARSHALL CRK FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CLAUDIA MARABOTO3 | 130 TIERRA MONTANOSA RANCHO SANTO MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BRENDA GAIL PATE3 Filed as: BRENDA KNIGHT | 821 KING'S GRANT ST SIMONS ISLAND, GA 31522 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THOMAS MARTIN LEVINSTEIN3 | 16 PHEASANT LANE ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CYD M WYATT3 | 1011 N 49TH AVE OMAHA, NE 68132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ERICA TEREK3 | P O BOX 2008 JOLIET, IL 60434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LILLIENFIELD AND ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| DEIDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KIMBERLY C HEDRICK3 | 1636 BASS LAKE ROAD ROSEBORO, NC 28382 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NE 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STACEY DIANE QUANCE3 | 5682 RIVER OAKS PLACE ATLANTA, GA 30327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENEFIT CONSULTANTS INC3 | 2105 VESTIVA LAKE DRIVE BIRMINGHAM, AL 35216 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PIERCE GROUP BENEFITS LLC3 | 4928 LINKSLAND DRIVE HOLLY SPRINGS, NC 27540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHERYL DAGATA DBA CAD & JAD CONSULT4 | 511 ANTHONY PLACE CANTON, GA 30114 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $7K | — | $7K | 12.98% |
| TOM EATON4 | 128 HOWELL DRIVE CANTON, GA 30115 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $5K | — | $5K | 8.90% |
| KENNETH M CAMPBELL4 | 90 W TURNER AVE ROSELLE, IL 60172 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $54 | — | $54 | 0.10% |
| POWER 1 NATION INC4 | 10113 DOUGLAS ST CINCINNATI, OH 45215 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $53 | — | $53 | 0.09% |
| LINDA C VOLDENGEN4 | — | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $17 | — | $17 | 0.03% |
| LINDA COLLEEN LAMB4 | 2206 W GRANVILLE AVE APT 1 CHICAGO, IL 60659 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $14 | — | $14 | 0.02% |
| PLATINUM PROTECTIVE SOLUTIONS LLC4 | P O BOX 2256 ORANGE PARK, FL 32067 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $7 | — | $7 | 0.01% |
| CARLA STINER REEL4 | 1637 BOTSFORD DRIVE KNOXVILLE, TN 37922 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $6 | — | $6 | 0.01% |
| STEPHANIE N. PANCHISHIN4 Filed as: STEPHANIE N PANCHISHIN | 652 ALCOVE DRIVE LITTLE ELM, TX 75068 | PREPAID LEGAL SERVICES INC DBA LEGAL SHIELD | $5 | — | $5 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P O BOX 70 WEST POINT, GA 31833 | THE PAUL REVERE LIFE INSURANCE COMPANY | $340 | — | $340 | 19.05% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $122 | $45 | $167 | 9.36% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | THE PAUL REVERE LIFE INSURANCE COMPANY | $99 | $23 | $122 | 6.83% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $2 | $21 | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $2.1M |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 CONTRACT ADMIN | Claims processing; Contract Administrator; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $145K |
| J SMITH LANIER AND COMPANY | Non-monetary compensation; Other commissions Service code 55 | — | $23K |
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 | 7,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 138 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 6,928 | $0 |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,104 | $712K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,974 | $558K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,184 | $827K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 7,104 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,104 | — |
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.