| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | BLDG 1 STE 100 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $7K | $65K | 13.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | NATIONWIDE | $39K | — | $39K | 10.35% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | NATIONWIDE | $10K | — | $10K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | 303 KRYSTAL BLD 1 UNION SQUARE SUITE 500 CHATTANOOGA, TN 37402 | GUARDIAN | $18K | $7K | $25K | 6.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | AMERITAS | $23K | — | $23K | 10.32% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | AMERITAS | $12K | — | $12K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO | BLDG 1 STE 100 11330 LAKEFIELD DR JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 18.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | PRAM | $5K | — | $5K | 5.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | PRAM | $5K | — | $5K | 5.00% |
| SCOTT CASEY3 | 730 SECOND AVE SOUTH SUITE 900 MINNEAPOLICS, MN 55402 | ALLSTATE BENEFITS | $14K | — | $14K | 26.00% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $5K | — | $5K | 9.32% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SVCS INC | 4216 CARMICHAEL ROAD MONTGOMERY, MN 36106 | ALLSTATE BENEFITS | $3K | — | $3K | 4.78% |
| SCOTT CASEY3 | 730 SECOND AVE SOUTH SUITE 900 MINNEAPOLICS, MN 55402 | ALLSTATE BENEFITS | $11K | — | $11K | 29.21% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $4K | — | $4K | 9.47% |
| BANCORPOSOUTH INS SVCS INC3 | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $2K | — | $2K | 4.35% |
| SCOTT CASEY3 | 730 SECOND AVE SOUTH SUITE 900 MINNEAPOLICS, MN 55402 | ALLSTATE BENEFITS | $7K | — | $7K | 22.41% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $3K | — | $3K | 10.45% |
| BANCORPOSOUTH INS SVCS INC3 | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $2K | — | $2K | 4.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | P.O. BOX 80707 ATLANTA, GA 30366 | FIRST HEALTH | $3K | — | $3K | 10.28% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD STE 401 AUSTIN, TX 78726 | FIRST HEALTH | $1K | — | $1K | 5.14% |
| SCOTT CASEY3 | 730 SECOND AVE SOUTH SUITE 900 MINNEAPOLICS, MN 55402 | ALLSTATE BENEFITS | $7K | — | $7K | 32.12% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $2K | — | $2K | 9.83% |
| BANCORPOSOUTH INS SVCS INC3 | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $1K | — | $1K | 4.90% |
| SCOTT CASEY3 | 730 SECOND AVE SOUTH SUITE 900 MINNEAPOLICS, MN 55402 | ALLSTATE BENEFITS | $3K | — | $3K | 21.80% |
| AMY PARKMAN3 | 695 PYLANT ST NE SUITE 232 ATLANTA, GA 30306 | ALLSTATE BENEFITS | $1K | — | $1K | 11.05% |
| BANCORPOSOUTH INS SVCS INC3 | 4216 CARMICHAEL ROAD MONTGOMERY, AL 36106 | ALLSTATE BENEFITS | $580 | — | $580 | 4.72% |
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 | 808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,051 | $7.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 821 | $585K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 821 | $585K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,055 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,055 | $882K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,055 | $502K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,051 | $6.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,055 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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.