| 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 | — | $93K | $93K | 5.08% |
| ALBERT W FAIRBANKS3 Filed as: ALBERT W. FAIRBANKS | 331 WEST LANE WOODSTOCK, GA 30188 | AFLAC | $9K | $544 | $10K | 10.68% |
| MJ INSURANCE3 Filed as: DEBORAH B. SMITH AND VARIOUS AGENTS | 4720 TWIN OAKS DRIVE NW KENNESAW, GA 30152 | AFLAC | $4K | $106 | $4K | 4.34% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JUNIOR | 5300 OAKBROOK PARKWAY, SUITE 300 NORCORSS, GA 30093 | AFLAC | $863 | $92 | $955 | 1.02% |
| JENNIE WALKER STILLS3 | 8801 GEORGE WYTHE COURT CHARLOTTE, NC 28277 | AFLAC | $672 | $51 | $723 | 0.77% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1820 THE EXCHANGE SE, SUITE 750 ATLANTA, GA 30339 | AFLAC | $647 | — | $647 | 0.69% |
| EMILY ANNE HEITMAN3 | 3511 SERENE DRIVE MIDLOTHIAN, TX 76065 | AFLAC | $544 | $52 | $596 | 0.64% |
| JAMES D DUDLEY3 Filed as: JAMES D. DUDLEY | 1355 LYNNFIELD ROAD, SUITE 259 MEMPHIS, TN 38119 | AFLAC | $546 | — | $546 | 0.58% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $936 | $10K | 11.06% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.02% |
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 | 173 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $88K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 155 | $13K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 172 | $109K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 136 | $142K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 101 | $48K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.