| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NW STE 1650 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $125K | $139K | 5.11% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC | 3060 PEACHTREE ROAD NW STE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 20.34% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $721 | — | $721 | 1.22% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. FKA SLIA INC. | PO BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $449 | — | $449 | 0.91% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 26.77% |
| AON CONSULTING INC3 | 3536 PIEDMONT RD NE ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $577 | — | $577 | 1.80% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 24.79% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $494 | — | $494 | 1.68% |
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.56% |
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.63% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 542 | $2.7M |
| Vision | STANDARD INSURANCE COMPANY | 275 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $27K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
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.