| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $455K | $10K | $465K | 7.22% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $55K | $14K | $68K | 16.74% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.38% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD, SUITE 200 ATLANTA, GA 30326 | EYEMED VISION CARE | $6K | — | $6K | 8.41% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.05% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY STE 300 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.07% |
| KEELER & ASSOCIATES3 | 211 S 23RD STREET PLATTSMOUTH, NE 68048 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 7.73% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.89% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP INC. | 11949 Q ST. PO BOX 45279 OMAHA, NE 68145 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.89% |
| AGENT ALLIANCE CORPORATION3 Filed as: AGENT NOT LISTED | — | 1-800MD, LLC | $7K | — | $7K | 29.10% |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,210 | $6.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,210 | $6.4M |
| Vision | EYEMED VISION CARE | 1,214 | $77K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 519 | $458K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 519 | $409K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 519 | $409K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,210 | $6.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 555 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.