| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ALANTA, GA 303052258 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $131 | $48K | 4.45% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $969 | $5K | 18.43% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $472 | $3K | 18.27% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $235 | $2K | 17.47% |
| SEE ATTACHED3 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | — | $414 | 7.37% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $290 | $64 | $354 | 18.29% |
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 | 117 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $8K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 54 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $28K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.