| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $93K | $93K | 3.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $29K | $29K | 1.12% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 0.36% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.11% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NORTHWEST SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $882 | — | $882 | 5.04% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | ONE BUCKHEAD PLAZA 3060 PEACHTREE ROAD, NORTHWEST SUIT ATLANTA, GA 30305 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GA | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $142 | — | $142 | 0.93% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NORTHWEST SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $825 | — | $825 | 6.86% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NORTHWEST SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $743 | — | $743 | 6.94% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NORTHWEST SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33 | — | $33 | 6.04% |
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 | 220 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $2.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 113 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 87 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $12K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.