| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | P O BOX 70 WEST POINT, GA 31833 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $217K | $217K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF ALA INC | 300 W 10TH STREET WEST POINT, GA 318331212 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $74 | $34K | 9.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLEBROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY OF AL | 300 W 10TH STREET WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND CO OF AL | P O BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $622 | $622 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GU 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $15K | 15.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100 BLDG 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $1K | $8K | 11.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVE SUITE 400 SADDLEBROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORPORATION | — | $883 | $883 | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFILED DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 16.49% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 868 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $367K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 840 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $55K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 504 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.