| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER MARSH/MCLENNAN CO | P.O. BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INS CO | $27K | — | $27K | 12.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER MARSH/MCLENNAN CO | 250 PEHLE AVE, STE 400, PARK 80 PL SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INS CO | — | $3K | $3K | 1.18% |
| LVI BENEFITS SERVICES LLC3 Filed as: LVI BENEFITS | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $5 | $220 | 1.96% |
| TOM PROVOW LLC3 Filed as: TOM PROVOW | 315 ROBERT ROSE DR, STE B MURFREESBORO, TN 37130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 1.24% |
| MCELHANEY INSURANCE LLC3 Filed as: MCELHANEY INS | 2115 LOOK ROCK CT MURFREESBORO, TN 37130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 1.00% |
| WILLIAM KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.65% |
| KEITH LEPACK3 Filed as: KEITH TOBIAS | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.60% |
| VICKIE E LEWIS3 Filed as: VICKIE LEWIS | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.28% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.28% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE & ASSOC | 12945 US HIGHWAY 331 MONTOGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J SMITH LANIER EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | 300 W 10TH ST WEST POINT, GA 31833 | $32K |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 247 | $1.1M |
| Dental | METROPOLITAN LIFE INS CO | 492 | $220K |
| Vision | METROPOLITAN LIFE INS CO | 492 | $220K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INS CO | 492 | $231K |
| Short-term disability | METROPOLITAN LIFE INS CO | 492 | $220K |
| Long-term disability | METROPOLITAN LIFE INS CO | 492 | $220K |
| Other | METROPOLITAN LIFE INS CO | 492 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.