| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANY | $269K | $2K | $271K | 5.46% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | ANTHEM INSURANCE COMPANY | — | $66K | $66K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER, A MARSH & MCLENNAN | 605 CHESTNUT ST STE 500 CHATTANOOGA, TN 374500021 | UNITEDHEALTHCARE INSURANCE COMPANY | $260K | — | $260K | 9.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 402 W HAWTHORNE ST DALTON, GA 30720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | GREATER GEORGIA LIFE INSURANCE COMPANY | $16K | — | $16K | 19.71% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 504 ROYALL AVE MT PLEASANT, SC 29464 | GREATER GEORGIA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.57% |
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 | 1,231 | 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) | 1,231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANY | 1,231 | $7.8M |
| Dental | ANTHEM INSURANCE COMPANY | 1,231 | $5.0M |
| Vision | ANTHEM INSURANCE COMPANY | 1,231 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 922 | $244K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 922 | $244K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 922 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,231 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.