| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, BLDG 1, STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | — | $53K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, BLDG 1, STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 16965 ATLANTA, GA 303210965 | VISION SERVICE PLAN | $13K | — | $13K | 9.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, BLDG 1, STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $233 | $7K | 10.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, BLDG 1, STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, BLDG 1, STE 100 DULUTH, GA 30097 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $594 | — | $594 | 9.99% |
No Schedule C service providers reported on this filing.
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 | 1,658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,201 | $146K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,658 | $357K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,546 | $299K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 313 | $98K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,623 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,658 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.