| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $218K | $247K | 5.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.06% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $24K | 17.70% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $3K | $21K | 17.91% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 7.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL VISION ADMINISTRATORS, LLC | $670 | — | $670 | 2.99% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $466 | $466 | 3.41% |
| ACHIEVEMENT GROUP INTERNATIONAL LLC3 | PO BOX 449 LAKE ORION, MI 48361 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 8.38% |
| TABOR HOLDINGS LLC3 | 1440 DUTHC VALLEY PLACE NE SUITE 1000 ATLANTA, GA 30324 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $682 | — | $682 | 5.08% |
| ROBERT J. WEHNER3 | 1327 PEACHTREE STREET NE APT 603 ATLANTA, GA 30309 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $232 | — | $232 | 1.73% |
| BARBARA KVAM3 | 2809 PONTIAC CIRCLE ATLANTA, GA 30360 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $87 | — | $87 | 0.65% |
| RAYMOND FRITZ JR3 | PO BOX 449 LAKE ORION, MA 48361 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $48 | — | $48 | 0.36% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $224 | $2K | 16.89% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | — |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD ATLANTA, GA 303052258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | — |
| COLONIAL LIFE BROKERAGE LLC3 | 12010 BROOKFIELD CLUB ROAD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $572 | $2K | — |
| CHARLES AUGUSTUS RAY3 | 12010 BROOKFIELD CLUB ROAD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $534 | $35 | $569 | — |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | — |
| MITCHELL HECTOR MORALES3 | 4679 SCORE COURT SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | — |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | — |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | — |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | — |
| TYLER HERRINGTON TORBETT3 | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | — |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | — |
| KENNETH B TORBETT3 Filed as: KENNETH B. TORBETT | 453 BRUSHSTROKE CT. MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | — |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA STREET SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | — |
| CD FRAZIER ASSOCIATES INC3 Filed as: CD FRAZIER ASSOCIATES INC. | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 735 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 735 | $4.9M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 575 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $135K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $118K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 735 | $4.9M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.