| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 3.41% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $15K | $20K | 3.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.58% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 257 N. CALDERWOOD STREET #357 ALCOA, TN 37701 | 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 | — | $433 | $433 | 1.29% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $186 | $4K | 15.84% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 257 N. CALDERWOOD STREET #357 ALCOA, TX 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| 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 | — | $58 | $58 | 0.26% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 16.66% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 257 N. CALDERWOOD STREET #357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.34% |
| 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 | — | $129 | $129 | 0.66% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | EYEMED | $1K | — | $1K | 10.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | EYEMED | $1K | — | $1K | 10.10% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $402 | $107 | $509 | 18.99% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 257 N. CALDERWOOD STREET #357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $402 | — | $402 | 14.99% |
| 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 | — | $35 | $35 | 1.31% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $298 | $298 | 35.35% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $126 | $34 | $160 | 18.98% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 257 N. CALDERWOOD STREET #357 ALCOA, TN 37701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | — | $42 | 4.98% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 32 | $827K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $555K |
| Vision | EYEMED | 151 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $20K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $23K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $57K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.