| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 4.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $118 | $118 | 0.07% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 15.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.80% |
| CHARLES AUGUSTUS RAY3 | 12010 BROOKFIELD CLUB ROAD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | $282 | $1K | 1.93% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $530 | $117 | $647 | 1.22% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD ATLANTA, GA 303052258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | — | $461 | 0.87% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $1 | $157 | 0.30% |
| MITCHELL HECTOR MORALES3 | 4679 SCORE COURT SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.29% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.13% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $26 | $40 | 0.08% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| TYLER HERRINGTON TORBETT3 | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 0.03% |
| DANIEL HALL3 | PO BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| KENNETH B TORBETT3 Filed as: KENNETH B. TORBETT | 453 BRUSHSTROKE CT. MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| CLARICE D LEWIS LLC3 Filed as: CLARICE D. LEWIS LLC | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BARBARA J LAKE3 Filed as: BARBARA J. LAKE | 226 N HIGH STREET MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA STREET SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $102 | $5K | 11.51% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 8.01% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $256 | $256 | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16 | $16 | 0.07% |
| ACHIEVEMENT GROUP INTERNATIONAL LLC3 | PO BOX 449 LAKE ORION, MI 48361 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $978 | — | $978 | 7.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $319 | — | $319 | 2.61% |
| TABOR HOLDINGS LLC3 | 1440 DUTCH VALLEY PLACE NE SUITE 1000 ATLANTA, GA 30324 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $251 | — | $251 | 2.05% |
| ROBERT J. WEHNER3 | 1327 PEACHTREE STREET NE APT 603 ATLANTA, GA 30309 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $125 | — | $125 | 1.02% |
| BARBARA KVAM3 | 2809 PONTIAC CIRCLE ATLANTA, GA 30360 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $69 | — | $69 | 0.56% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $203 | $1K | 12.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | — | $308 | 2.93% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS. BENEFITS INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $2 | $19 | 5.25% |
| CHARLES AUGUSTUS RAY3 | 12010 BROOKFIELD CLUB ROAD ROSWELL, GA 30075 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.21% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD ATLANTA, GA 30305 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.10% |
| KIMANI MATTHEW3 | 52 CANTON ROAD WEST SIMSBURY, CT 06092 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.55% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.55% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 391 | $179K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $41K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,269 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,269 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.