| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 31833 | UNITED HEALTHCARE INSURANCE COMPANY | — | $151K | $151K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J SMITH LANIER & CO | 303 KRYSTAL BLD 1 UNION SQUARE CHATTANOOGA, TN 37402 | GUARDIAN LIFE INSURANCE OF AMERICA | $30K | — | $30K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | PO BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $6K | $23K | 13.16% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J. SMITH LANIER, INC | 11330 LAKEFIELD DR BUILDING 1 JOHN CREEK, GA 30097 | VISION SERVICE PLAN | $2K | — | $2K | 3.37% |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 738 | $2.9M |
| Dental | GUARDIAN LIFE INSURANCE OF AMERICA | 409 | $302K |
| Vision | VISION SERVICE PLAN | 325 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $176K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $176K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $176K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.