| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 10 INVERNESS CENTER PARKWAY BIRMINGHAM, AL 352424818 | VISION SERVICE PLAN | $2K | — | $2K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL INC. | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 300971578 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $11 | $2K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. OF AL INC. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | $868 | $208 | $1K | 6.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.54% |
| BENJAMIN D JOHNSON3 Filed as: BENJAMIN D. JOHNSON | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $7K | $382 | $7K | — |
| MFK & ASSOCIATES INC3 Filed as: MFK & ASSOCIATES | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $756 | $74 | $830 | — |
| JASON GAYDON3 | 624 VALLEYVIEW DRIVE PELHAM, AL 35124 | AFLAC | $130 | $60 | $190 | — |
| SAIC INC3 Filed as: SAIC INC. | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $172 | — | $172 | — |
| LANZA & ASSOCIATES LLC3 | 4505 PINE TREE CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $90 | — | $90 | — |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $86 | — | $86 | — |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $26 | — | $26 | — |
| NEIL M MORGAN JR3 Filed as: NEIL M MORGAN JR. | 1904 ELLIS DRIVE POQUOSON, VA 23662 | AFLAC | $11 | — | $11 | — |
| JOHN TODD LEE3 | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $8 | — | $8 | — |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $7 | — | $7 | — |
| LYNN HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD SUITE 150 MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | — |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT STREET SUITE 116 39 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | — |
| JOEL SANDERS3 | 2165 HALCYON BLVD MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | — |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 143 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 143 | $1.5M |
| Vision | VISION SERVICE PLAN | 101 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 143 | $1.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 152 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.