| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | P.O. BOX 785700 10 31 2025 AOL PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $482K | $528K | 5.23% |
| FALLON BENEFITS GROUP INC.3 | P.O. BOX 785700 SUITE 200 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $101K | $111K | 1.10% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $128K | $36K | $164K | 17.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $7K | $41K | 4.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | NATIONAL VISION ADMINISTRATORS, LLC | $5K | — | $5K | 7.54% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE RD NE SUITE 1650 ATLANTA, GA 30305 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 2.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | 1.800MD, LLC | $10K | — | $10K | 25.30% |
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 | 1,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,406 | $10.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,406 | $10.1M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,733 | $63K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 996 | $940K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 996 | $940K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 996 | $940K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,134 | $979K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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.