| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF GEORGIA | $18K | $2K | $20K | 9.26% |
| SEE ATTACHED3 | SEE ATTACHED SEE ATTACHED SEE ATTACHED, AA 12345 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JOHN B. WELLS3 Filed as: JOHN B WELLS | 216 LAKE RIDGE DR NEWNAN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 1.13% |
| DORIS M KERCHNER3 Filed as: DORIS KERCHNER | 1875 KERRY CREEK DRIVE MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.84% |
| STEPHEN SAUTER3 | PO BOX 1165 LA GRANGE, GA 30241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.43% |
| JAMES H CLARK3 | 17462 FRONT BEACH RD UNIT 98 PANAMA CITY BEACH, FL 32413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.27% |
| ASSURED BENEFIT SERVICES INC3 Filed as: ASSURED BENEFIT SERVICES INC. | PO BOX 1035 NEWNAN, GA 30264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.20% |
| PATRICIA T WATT3 Filed as: PATRICIA WATT | 2650 ANITA LANE MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| BONNIE J WENDELL3 Filed as: BONNIE WENDELL | 861 PHOENIX LANE OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ANTHONY BROWN | 4202 BRIDLE PATH MARSHALL, TX 75672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $170K |
| J. SMITH LANIER, A MARSH MCLENNAN EIN 26-3237576 NONE | Securities brokerage commissions and fees; Direct payment from the plan Service code 50 | — | $146K |
| SENTRY HEALTH EIN 27-3334466 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | — | $40K |
| PROCARE PHARMACY BENEFIT MANAGER EIN 58-2422694 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $33K |
| MULTIPLAN INC EIN 13-3068979 NONE | Other fees; Direct payment from the plan Service code 50 | — | $26K |
| TELEMEDICINE MANAGEMENT EIN 26-1306606 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | — | $12K |
| PUBLIC GOODS POOL EIN 15-0329043 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
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 | 368 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA | 610 | $218K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 610 | $218K |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 450 | $63K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $83K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,110 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.