| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 318330070 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $0 | $60K | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBIS, GA 31904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF LEE COUNTY | 206 EXCHANGE PLACE HUNTSVILLE, AL 358062300 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. A MARSH | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $93 | $3K | 5.12% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $94 | $2K | 3.76% |
| CHAUNDRA F MILES-WALKER3 | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | $39 | $672 | 1.24% |
| JOYCE HERNDON-GARVIN3 Filed as: JOYCE HERNDON-GAVIN | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $48 | $468 | 0.86% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $21 | $286 | 0.53% |
| ESTELLA L MILES3 | 1025 THUNDERBIRD DR DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.14% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.10% |
| WILLIAM C WESTER3 | PO BOX 375 GRANDRIDGE, FL 32442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.09% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC. | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $8 | $31 | 0.06% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $2 | $25 | 0.05% |
| TOOMER VANDERHORST AIMAR3 | 701 COLUMBUS DR SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.03% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 W. COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.02% |
| KENNETH RONALD LENT3 | 1040 KINGFISHER WAY ROCKLEDGE, FL 32955 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. A MARSH | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. A M | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $9K | 18.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. A MARSH | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $623 | $125 | $748 | 18.00% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 381 | $106K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $54K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 357 | $1.6M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 381 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.