| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 900 NORTHPOINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 2.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 900 NORTHPOINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 1.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 900 NORTHPOINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.33% |
| 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 | — | $4K | $4K | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 900 NORTHPINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 17.40% |
| 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 | — | $360 | $360 | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $184 | $184 | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 23.56% |
| 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 | — | $250 | $250 | 1.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $120 | $120 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 23.63% |
| 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 | — | $223 | $223 | 1.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $104 | $104 | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GA | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | 1-800MD, LLC | $4K | — | $4K | 29.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 17.64% |
| 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 | — | $7 | $7 | 0.58% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $2.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 98 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $23K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
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.