| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 200 DULUTH, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $15K | $50K | 24.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | STANDARD INSURANCE COMPANY | $9K | $2K | $10K | 17.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | PO BOX 70 DULUTH, GA 30097 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | $995 | — | $995 | 9.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH | Float revenue; Claims processing; Participant communication; Named fiduciary; Other services; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | 10221 WATERIDGE CIRCLE, STE 201 SAN DIEGO, CA 92121 | $0 |
| SUMMIT HEALTH | Contract Administrator; Direct payment from the plan; Float revenue; Claims processing; Non-monetary compensation; Participant communication; Named fiduciary; Other services Service code 12 | 27175 HAGGERTY ROAD NOVI, MI 48377 | $0 |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $203K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $58K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 158 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 114 | $58K |
| Short-term disability | STANDARD INSURANCE COMPANY | 114 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 114 | $58K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.