| 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 | $8K | $66K | $74K | 6.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.26% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $394 | $394 | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.25% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $341 | $341 | 1.25% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | EYEMED | $1K | — | $1K | 10.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $202 | $2K | 18.27% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $101 | $2K | 14.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $112 | $112 | 0.89% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $389 | $2K | 22.30% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $345 | $1K | 22.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | $164 | $546 | 21.46% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | — | $382 | 15.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $34 | $34 | 1.34% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $1.2M |
| Vision | EYEMED | 169 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $31K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 45 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $27K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $50K |
| 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.