| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 360 E VINE ST LEXINGTON, KY 40507 | ANTHEM | $1K | — | $1K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 360 E VINE ST LEXINGTON, KY 40507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL | $3K | — | $3K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | 300 W 10TH ST WEST POINT, GA 31833 | CIGNA GROUP INSURANCE | $139 | — | $139 | 12.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PALNS OF KENTUCKY, IN EIN 61-1237516 ADMINISTRATOR | Other fees; Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $156K |
| J SMITH LANIER & CO | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $35K |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 271 | $235K |
| Dental | DELTA DENTAL | 212 | $64K |
| Vision | ANTHEM | 271 | $235K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $111K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $110K |
| Stop-loss / reinsurancereinsurance | ANTHEM | 271 | $235K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.