| 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 | $59K | $66K | 5.53% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 23.07% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 23.06% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD SUITE 1650 ATLANTA, GA 30305 | EYEMED | $2K | — | $2K | 10.77% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $741 | $2K | 23.34% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $889 | — | $889 | 10.00% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $986 | $698 | $2K | 21.06% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $480 | — | $480 | 6.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $160 | $1K | 20.89% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $780 | $396 | $1K | 18.64% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $313 | $148 | $461 | 22.06% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $313 | — | $313 | 14.98% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $1.2M |
| Vision | EYEMED | 167 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 52 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $20K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.