| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT ADVISORS, LLC | 8068 RIDGE VALLEY WOODSTOCK, GA 30189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $124K | $124K | 2.48% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $105K | $105K | 2.11% |
| CAPITAL ADMINISTRATORS OF THE SE3 | 1080 PEACHTREET STREET NE UNIT 1210 ATLANTA, GA 30309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $21K | $21K | 0.41% |
| CAPITAL ADMINISTRATORS OF THE SE3 | 1080 PEACHTREE NE UNIT 1210 ATLANTA, GA 30309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.81% |
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP | 3060 PEACHTREE RAOD NE, SUITE 1650 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $679 | $11K | 4.44% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT ADVISORS, LLC | 8068 RIDGE VALLEY WOODSTOCK, GA 30189 | VISION SERVICE PLAN | $1K | — | $1K | 2.76% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE RAOD NW SUITE 1650 ATLANTA, GA 30305 | VISION SERVICE PLAN | $491 | — | $491 | 0.99% |
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 | 273 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 262 | $5.0M |
| Vision | VISION SERVICE PLAN | 269 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $244K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $244K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 262 | $5.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.