| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD SUITE 1650 ATLANTA, GA 303052258 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $44K | $51K | 5.35% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ELIZABETH A SCHENK3 Filed as: ELIZABETH A. SCHENK | UNKNOWN SUITE 300 ORLANDO, FL 32819 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $4K | $4K | 8.28% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS- SEE ATTACHMENT | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | ALLSTATE | $12K | — | $12K | 33.55% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD SUITE 1650 ATLANTA, GA 30305 | EYEMED | $1K | — | $1K | 9.80% |
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 | 167 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $945K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $945K |
| Vision | EYEMED | 153 | $14K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $47K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $47K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $47K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 167 | $85K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.