| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 1.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 300 W 10TH STREET WEST POINT, GA 31833 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 17.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 300 W 10TH STREET WEST POINT, GA 31833 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 17.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 300 W 10TH STREET WEST POINT, GA 31833 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $166 | $1K | 17.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PBM | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $1.2M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $124K |
| J SMITH LANIER & CO EIN 58-1513334 BROKER | Other commissions Service code 55 | — | $6K |
| BMS, LLC EIN 61-1326034 TPA | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 701 | $158K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $52K |
| Stop-loss / reinsurancereinsurance | HIIG ELITE GREAT MIDWEST INS CO | 277 | $630K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.