| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD SUITE 1650 ATLANTA, GA 30305 | HARTFORD LIFE AND ACCIDENT | $116K | — | $116K | 15.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 1901 ROXBOROUGH RD. SUITE 300 CHARLOTTE, NC 282115588 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 1.43% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $95K | — | $95K | 30.61% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | EYEMED | $7K | — | $7K | 9.21% |
| SEE ATTACHED3 | — | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.34% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | 1.800MD, LLC | $13K | — | $13K | 28.59% |
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 | 691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,564 | $454K |
| Vision | EYEMED | 1,284 | $80K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 600 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 600 | $764K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 600 | $764K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,220 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,564 | — |
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.