| 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 | $36K | $0 | $36K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PARKWAY COLUMBIS, GA 31904 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 1.92% |
| 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 | $5K | $5K | 0.32% |
| 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 | $9K | $3K | $12K | 19.72% |
| 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 | $6K | $2K | $8K | 19.69% |
| 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 | $4K | $2K | $6K | 20.92% |
| J DONOVAN FINANCIAL3 | 100 EAST PINE STREET SUITE 100 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 34.99% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM G BLANCHARD | 11235 US HIGHWAY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $770 | $0 | $770 | 3.80% |
| BRIAN STREEM3 | 622 MAITLAND AVENUE ALTAMONTE SPRINGS, FL 32701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | $0 | $156 | 0.77% |
| J DONOVAN FINANCIAL3 | 100 EAST PINE STREET SUITE 110 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 38.51% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM G BLANCHARD | 11235 US HIGHWAY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $939 | $0 | $939 | 5.55% |
| BRIAN STREEM3 | 622 MAITLAND AVENUE ALTAMONTE SPRINGS, FL 32701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $187 | $0 | $187 | 1.11% |
| J DONOVAN FINANCIAL3 | 100 EAST PINE STREET SUITE 110 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 70.00% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM G BLANCHARD | 11235 US HIGHWAY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.25% |
| BRIAN STREEM3 | 622 MAITLAND AVENUE ALTAMONTE SPRINGS, FL 32701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $451 | $0 | $451 | 3.25% |
| J DONOVAN FINANCIAL3 | 100 EAST PINE STREET SUITE 100 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $623 | $0 | $623 | 4.72% |
| WILLIAM C. GOODLAD3 Filed as: WILLIAM G BLANCHARD | 11235 US HIGHWAY 1 NORTH PALM BEACH, FL 33408 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | $0 | $222 | 1.68% |
| BRIAN STREEM3 | 622 MAITLAND AVENUE ALTAMONTE SPRINGS, FL 32701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.34% |
| 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 | $521 | $163 | $684 | 19.69% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $57K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $1.5M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.