| 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 | $33K | $170K | $203K | 3.90% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $27K | $34K | 0.64% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.13% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 16.06% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | 1099 18TH ST. DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD. WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $689 | $689 | 0.74% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.03% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | 1099 18TH ST. DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY RD. WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $595 | $595 | 0.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | EYEMED | $2K | — | $2K | 8.06% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD NW SUITE 200 ATLANTA, GA 30326 | EYEMED | $2K | — | $2K | 5.59% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.60% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | 1099 18TH ST. DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $408 | $408 | 4.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $390 | — | $390 | 4.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD. WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $82 | $82 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9 | $9 | — |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $5.2M |
| Vision | EYEMED | 466 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 621 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $61K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.
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.