| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 10 31 2025 AOL PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $85K | $93K | 8.52% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 SUITE 200 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $18K | $19K | 1.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 8.52% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.56% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 28211 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.56% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE GROUP NE SUITE 200 ATLANTA, GA 30326 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 10 31 2025 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 16.32% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $419 | — | $419 | 5.37% |
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 | 186 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 186 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 186 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 186 | $50K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.