| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | P.O. BOX 70 WEST POINT, GA 31833 | AETNA LIFE INSURANCE COMPANY | $38K | — | $38K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | 300 W 10TH STREET WEST POINT, GA 31833 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | P.O. BOX 70 WEST POINT, GA 31833 | AETNA HEALTH, INC. | $8K | — | $8K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | 300 W 10TH STREET WEST POINT, GA 31833 | AETNA HEALTH, INC. | $6K | — | $6K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 300 WEST 10TH STREET WEST POINT, GA 31833 | PRUDENTIAL INSURANCE COMPANY | $24K | — | $24K | 15.72% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY | — | $50 | $50 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & COMPANY | 300 WEST 10TH STREET WEST POINT, GA 31833 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER | 200 BROOKSTONE CENTER PARKWAY SUITE 118 COLUMBUS, GA 31904 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $2K | $255 | $3K | 10.43% |
| MARSH & MCLENNAN AGENCY LLC | 5555 GLEN RIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $213 | — | $213 | 0.85% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 238 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 136 | $114K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 142 | $25K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY | 155 | $154K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY | 155 | $154K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY | 155 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.