| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | PO BOX 785700 SUITE 200 PHILADELPHIA, PA 19178 | CIGNA HEALTHCARE | $7K | $0 | $7K | 10.00% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P&C RISK SERVICES DBA ATHENS INSURA | PO BOX 809 ATHENS, TN 37371 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 13.77% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACH TREE RD NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $781 | $781 | 1.79% |
| IMA, INC.3 Filed as: THE BOTTOMS GROUP AN IMA COMPANY | SIX CONCOURSE PARKWAY SUITE 3000 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $535 | $0 | $535 | 1.23% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P&C RISK SERVICES DBA ATHENS INSURA | PO BOX 809 ATHENS, TN 37371 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.85% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACH TREE RD NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $437 | $437 | 1.85% |
| IMA, INC.3 Filed as: THE BOTTOMS GROUP AN IMA COMPANY | SIX CONCOURSE PARKWAY SUITE 3000 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $270 | $0 | $270 | 1.14% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P&C RISK SERVICES DBA ATHENS INSURA | PO BOX 809 ATHENS, TN 37371 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.85% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACH TREE RD NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $305 | $305 | 1.88% |
| IMA, INC.3 Filed as: THE BOTTOMS GROUP AN IMA COMPANY | SIX CONCOURSE PARKWAY SUITE 3000 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188 | $0 | $188 | 1.16% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P&C RISK SERVICES | PO BOX 809 ATHENS, TN 373710809 | UNITEDHEALTHCARE INSURANCE COMPANY | $580 | $0 | $580 | 8.50% |
| IMA, INC.3 Filed as: IMA, INC | 6 CONCOURSE PKWY NE STE 3000 ATLANTA, GA 303286183 | UNITEDHEALTHCARE INSURANCE COMPANY | $52 | $0 | $52 | 0.76% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE ST NE MARIETTA, GA 300601610 | UNITEDHEALTHCARE INSURANCE COMPANY | $52 | $0 | $52 | 0.76% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P&C RISK SERVICES DBA ATHENS INSURA | PO BOX 809 ATHENS, TN 37371 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $384 | $0 | $384 | 13.83% |
| IMA, INC.3 Filed as: THE BOTTOMS GROUP AN IMA COMPANY | SIX CONCOURSE PARKWAY SUITE 3000 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33 | $0 | $33 | 1.19% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACH TREE RD NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13 | $13 | 0.47% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTHCARE | 98 | $74K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $44K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.