| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $176K | $11K | $186K | 8.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD. PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.21% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | $21K | $68K | 19.60% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.16% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD PHIPPS TOWER, SUITE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 3.39% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,822 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,822 | $2.2M |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,294 | $118K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 913 | $345K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 913 | $345K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,822 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 962 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,822 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.