| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 10.00% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | — | $68K | 22.89% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | EYEMED | $8K | — | $8K | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BL 2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 13.45% |
| SEE ATTACHED3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.69% |
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 | 1,143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 656 | $467K |
| Vision | EYEMED | 1,281 | $78K |
| Life insurance(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 600 | $413K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 600 | $71K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 600 | $71K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,143 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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.