| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $356K | $393K | 6.23% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 0.15% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 14.87% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $7K | $21K | 24.04% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE RD NW SUITE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 16.74% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE RD NE SUITE 1650 ATLANTA, GA 30305 | NATIONAL VISION ADMINISTRATORS, LLC | $4K | — | $4K | 10.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE RD NW SUITE 1650 ATLANTA, GA 30305 | 1.800MD, LLC | $8K | — | $8K | 27.95% |
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 | 727 | 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) | 729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,009 | $6.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,009 | $6.3M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,298 | $42K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 727 | $395K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 727 | $395K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 727 | $395K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 750 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.