| 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 | $36K | $79K | $115K | 39.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | STANDARD INSURANCE COMPANY | $12K | $319 | $12K | 15.41% |
| 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 | $1K | — | $1K | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH | Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Claims processing; Float revenue; Other services; Named fiduciary Service code 12 | 10221 WATERIDGE CIRCLE, STE 201 SAN DIEGO, CA 92121 | $0 |
| CARECORE D/B/A/ EVICORE | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Named fiduciary; Float revenue; Participant communication; Non-monetary compensation Service code 12 | 400 BUCKWALTER PLACE BLVD BLUFFON, SC 29910 | $0 |
| MEDSOLUTIONS D/B/A/ EVICORE. INC, | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | 730 COOL SPRINGS BLVD, #800 FRANKLIN, TN 37067 | $0 |
| SUMMIT HEALTH | Other services; Contract Administrator; Named fiduciary; Participant communication; Claims processing; Non-monetary compensation; Float revenue; Direct payment from the plan 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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $290K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $61K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE | 154 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $77K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $77K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.