| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | ANTHEM | $2K | — | $2K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | ANTHEM | $1K | $57 | $1K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST LEXINGTON, KY 40507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL | $3K | — | $3K | 5.10% |
| SMITH, THOMAS, CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $820 | — | $820 | 5.83% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | 300 W 10TH ST WEST POINT, GA 31833 | CIGNA GROUP INSURANCE | $48 | $17 | $65 | 20.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PALNS OF KENTUCKY, IN EIN 61-1237516 ADMINISTRATOR | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $153K |
| J SMITH LANIER & CO | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $11K |
| MARSH & MCLENNAN AGENCY LLC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $6K |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 240 | $231K |
| Dental | DELTA DENTAL | 173 | $53K |
| Vision | ANTHEM | 240 | $231K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $112K |
| Stop-loss / reinsurancereinsurance | ANTHEM | 240 | $231K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
No prospect flags tripped on this filing.