| 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 | $60K | $10K | $70K | 17.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $11K | $28K | 8.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER A MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | NATIONWIDE | $21K | — | $21K | 6.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY BLDG. 118 COLUMBUS, GA 31904 | NATIONWIDE | $11K | — | $11K | 3.43% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $8K | — | $8K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | $5K | $54K | 27.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER A MARSH & MCLENNAN | 300 WEST 10TH STREET WEST POINT, GA 31833 | AMERITAS | $13K | — | $13K | 6.51% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $11K | — | $11K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY BLDG. 118 COLUMBUS, GA 31904 | AMERITAS | $7K | — | $7K | 3.49% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | PRAM | $4K | — | $4K | 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 | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY BLDG. 118 COLUMBUS, GA 31904 | PRAM | $1K | — | $1K | 1.52% |
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 | 668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 669 | 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 | 1,327 | $6.9M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 562 | $530K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 562 | $530K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $712K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $712K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $399K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,327 | $6.6M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,327 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,327 | — |
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.