| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | $11K | $66K | 16.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN | $16K | $11K | $27K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER A MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | NATIONWIDE | $25K | — | $25K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $6K | — | $6K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER A MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | AMERITAS | $19K | — | $19K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $10K | — | $10K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $5K | $30K | 26.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.77% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | PRAM | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER A MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | PRAM | $3K | — | $3K | 5.00% |
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 | 771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,654 | $6.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 872 | $505K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 872 | $505K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $650K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $763K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $400K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,654 | $6.8M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,654 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,654 | — |
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.