| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $290K | — | $290K | 5.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $106K | — | $106K | 1.96% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | FOUR EVER LIFE INS CO. | $23K | — | $23K | 7.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD. SUITE 315 CHARLOTTE, NC 28211 | FOUR EVER LIFE INS CO. | $8K | — | $8K | 2.59% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD NW. STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 15.00% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD. STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD. NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| STEPHEN FALLON3 Filed as: STEPHEN F. FALLON | 3060 PEACHTREE RD NW SUITE 1650 ATLANTA, GA 30305 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 2.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | KAISER FOUNDATION HEALTH PLAN, INC. | $659 | — | $659 | 1.07% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 4.14% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 3.56% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES INC DBA K | 211 S. 23RD STREET PLATTSMOUTH, NE 68048 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | PO BOX 785700 PHILADELPHIA, PA 19178 | TRUSTMARK INSURANCE COMPANY | $757 | — | $757 | 2.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. SUITE 315 CHARLOTTE, NC 28211 | TRUSTMARK INSURANCE COMPANY | $520 | — | $520 | 1.45% |
| 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 | — | $4K | 15.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD, SUITE 200 ATLANTA, GA 30326 | EYEMED VISION CARE | $1K | — | $1K | 5.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE | $726 | — | $726 | 2.73% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP DBA FNIC | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $273 | $1K | 5.62% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $911 | $273 | $1K | 4.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $293 | — | $293 | 1.12% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP DBA FNIC | 14010 FNB PARKWAY STE 300 OMAHA, NE 68154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $640 | $140 | $780 | 5.62% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $449 | $140 | $589 | 4.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $449 | $140 | $589 | 4.25% |
| FALLON BENEFIT GROUP INC.3 | 3060 PEACHTREE RD. NW STE 1650 ATLANTA, GA 30305 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $187 | — | $187 | 10.01% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,089 | $5.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,089 | $5.4M |
| Vision | EYEMED VISION CARE | 475 | $27K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $216K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 548 | $93K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,089 | $5.4M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,089 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.