| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | NATIONWIDE | $46K | — | $46K | 9.68% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | NATIONWIDE | $11K | — | $11K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | BLDG 1 STE 100 11330 LAKEFIELD DR DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $5K | $49K | 10.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO INC | 303 KRYSTAL BLD 1 UNION SQUARE SUITE 500 CHATTANOOGA, TN 37402 | GUARDIAN | $19K | $12K | $31K | 8.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | AMERITAS | $25K | — | $25K | 9.77% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | AMERITAS | $13K | — | $13K | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | BLDG 1 STE 100 11330 LAKEFIELD DR DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 13.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | NATIONWIDE | $12K | — | $12K | 10.15% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | NATIONWIDE | $3K | — | $3K | 2.54% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $34K | — | $34K | 48.89% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $15K | — | $15K | 20.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | AMERITAS | $7K | — | $7K | 10.22% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | AMERITAS | $4K | — | $4K | 5.62% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $27K | — | $27K | 49.25% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $12K | — | $12K | 21.13% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $24K | — | $24K | 49.15% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $11K | — | $11K | 21.19% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $14K | — | $14K | 50.07% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $6K | — | $6K | 21.67% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $10K | — | $10K | 49.31% |
| BANCORPOSOUTH INS SVCS INC3 | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $5K | — | $5K | 21.26% |
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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,117 | $7.3M |
| Dental(3 contracts, 2 carriers) | GUARDIAN | 691 | $698K |
| Vision(3 contracts, 2 carriers) | GUARDIAN | 691 | $698K |
| Life insurance(4 contracts, 2 carriers) | NATIONWIDE | 1,094 | $1.3M |
| Short-term disability(3 contracts, 2 carriers) | NATIONWIDE | 1,094 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,094 | $461K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,117 | $6.5M |
| Other(4 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,117 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.