| 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 | $85K | $19K | $104K | 18.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY BLDG. 118 COLUMBUS, GA 31904 | NATIONWIDE | $29K | — | $29K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $15K | $31K | 9.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | $9K | $55K | 29.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY BLDG. 118 COLUMBUS, GA 31904 | AMERITAS | $16K | — | $16K | 10.00% |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 687 | 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 | 1,303 | $7.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $484K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $484K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 573 | $893K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 573 | $893K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 573 | $568K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,303 | $7.8M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,303 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,303 | — |
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."
No prospect flags tripped on this filing.