| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $15K | $94K | $109K | 6.48% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $1K | $16K | 24.15% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $498 | $7K | 22.91% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $371 | $5K | 22.86% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | EYEMED VISION CARE | $1K | — | $1K | 11.63% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $113 | $2K | 22.96% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $1.7M |
| Vision | EYEMED VISION CARE | 224 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $66K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $31K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.