| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $5K | $31K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER | PO BOX 6087 HUNTSVILLE, AL 35806 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 8.39% |
| RANDY L BENNETT3 Filed as: RANDY BENNETT | LIFE LINE INSURANCE CO. 1060 WINCHESTER RD NE HUNTSVILLE, AL 35811 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.32% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| RANDY L BENNETT3 | LIFE LINE INSURANCE CO 1060 WINCHESTER RD NE HUNTSVILLE, AL 358118904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | $0 | $562 | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.35% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| RANDY L BENNETT3 | LIFE LINE INSURANCE CO 1060 WINCHESTER RD NE HUNTSVILLE, AL 358118904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | $0 | $349 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.37% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $781 | $781 | 5.00% |
| RANDY L BENNETT3 | LIFE LINE INSURANCE CO 1060 WINCHESTER RD NE HUNTSVILLE, AL 358118904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $254 | $0 | $254 | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 22.22% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & COMPANY | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 13.35% |
| RANDY L BENNETT3 | LIFE LINE INSURANCE CO 1060 WINCHESTER RD NE HUNTSVILLE, AL 358118904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | $0 | $562 | 4.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | — | $503 | 12.74% |
| RANDY L BENNETT3 | LIFE LINE INSURANCE CO 1060 WINCHESTER RD NE HUNTSVILLE, AL 358118904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $90 | $0 | $90 | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | PO BOX 6087 HUNTSVILLE, AL 358240087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $190 | $0 | $190 | 6.81% |
| RANDY L BENNETT3 | LIFE LINE INSURANCE CO 1060 WINCHESTER RD NE HUNTSVILLE, AL 358118904 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33 | $0 | $33 | 1.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMPA | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $34K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $33K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.