| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 360 E VINE ST LEXINGTON, KY 40507 | ANTHEM | $3K | — | $3K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM | $118 | $159 | $277 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | ANTHEM | — | $211 | $211 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST LEXINGTON, KY 40507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 10.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | DELTA DENTAL | $3K | — | $3K | 4.96% |
| SMITH, THOMAS, CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 17.50% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA GROUP INSURANCE | $26 | — | $26 | 10.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PALNS OF KENTUCKY, IN EIN 61-1237516 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Other fees; Contract Administrator Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $133K |
| MARSH & MCLENNAN AGENCY LLC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $11K |
| J SMITH LANIER & CO | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $0 |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 235 | $301K |
| Dental | DELTA DENTAL | 160 | $52K |
| Vision | ANTHEM | 235 | $301K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $112K |
| Stop-loss / reinsurancereinsurance | ANTHEM | 235 | $301K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.