| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $92K | $92K | 5.34% |
| ALBERT W FAIRBANKS3 Filed as: ALBERT W. FAIRBANKS | 331 WEST LANE WOODSTOCK, GA 30188 | AFLAC | $11K | $452 | $12K | 11.69% |
| MJ INSURANCE3 Filed as: JOSHUA K. HOPPE AND VARIOUS AGENTS | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $4K | $61 | $4K | 3.89% |
| JAMES D DUDLEY3 Filed as: JAMES D. DUDLEY | 1355 LYNNFIELD ROAD, SUITE 259 MEMPHIS, TN 38119 | AFLAC | $2K | $89 | $2K | 1.65% |
| JOHN P KOWN II3 Filed as: JOHN P. KOWN II | 1275 SHILOH ROAD NW, SUITE 2260 KENNESAW, GA 30144 | AFLAC | $934 | $76 | $1K | 1.01% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1820 THE EXCHANGE SE, SUITE 750 ATLANTA, GA 30339 | AFLAC | $735 | — | $735 | 0.74% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 4720 TWIN OAKS DRIVE NW KENNESAW, GA 30152 | AFLAC | $691 | — | $691 | 0.69% |
| EMILY ANNE HEITMAN3 | 3511 SERENE DRIVE MIDLOTHIAN, TX 76065 | AFLAC | $608 | $15 | $623 | 0.62% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NE, SUITE 1650 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $618 | $8K | 21.69% |
| 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 | $2K | $254 | $3K | 16.58% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 170 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $92K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 157 | $13K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 170 | $116K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 121 | $136K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 92 | $37K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.