| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $475K | $9K | $484K | 8.42% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD NW. STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $9K | $33K | 20.97% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD. STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $6K | $22K | 20.47% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD. NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $16K | 20.46% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S. 23RD STREET PLATTSMOUTH, NE 68048 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 6.83% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD NW SUITE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD, SUITE 200 ATLANTA, GA 30326 | EYEMED VISION CARE | $3K | — | $3K | 9.16% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 20.08% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD. SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 14.78% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 14.78% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD. NE SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 14.65% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP DBA FNIC | 14010 FNB PARKWAY STE 300 OMAHA, NE 68154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 14.65% |
| FALLON BENEFIT GROUP INC.3 | 3060 PEACHTREE RD. NW STE 1650 ATLANTA, GA 30305 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $104 | $104 | — |
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 | 518 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $5.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $5.8M |
| Vision | EYEMED VISION CARE | 532 | $30K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $197K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $108K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $5.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.