| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 16.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $456 | — | $456 | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $650 | $3K | 18.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | — | $248 | 1.46% |
| CLIFFORD MCCOLLUM3 | 1809 CORPORATE DRIVE OPELIKA, AL 36801 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| TRANSAMERICA3 | 1400 CENTERVIEW LITTLE ROCK, AR 72211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $828 | $828 | 5.49% |
| ALLIANCE INSURANCE GROUP LLC3 | PO BOX 240518 MONTGOMERY, AL 36124 | UNITED HEALTHCARE INSURANCE COMPANY | $729 | — | $729 | 4.84% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 359 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 359 | $1.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $17K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 359 | $1.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 359 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.