| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 | SEE ATTACHED SEE ATTACHED SEE ATTACHED, AA 12345 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52K | — | $52K | 23.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330K | $12K | $342K | 155.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD OF GEORGIA | $14K | $4K | $18K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 24.15% |
| SEE ATTACHED3 | SEE ATTACHED SEE ATTACHED, GA 12345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | — | $384 | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | STANDARD LIFE INSURANCE COMPANY | $271 | — | $271 | 8.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J. SMITH LANIER, A MARSH MCLENNAN EIN 26-3237576 NONE | Direct payment from the plan; Securities brokerage commissions and fees Service code 50 | — | $125K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Other services; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $122K |
| MULTIPLAN INC. EIN 13-3068979 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | — | $28K |
| REVIVEHEALTH, INC EIN 86-1279290 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA | 531 | $194K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 531 | $194K |
| Life insurance(3 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 428 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $33K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 951 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.