| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | $5K | $98K | 15.74% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE RD NW STE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$24 | — | -$24 | -0.00% |
| 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 | $20K | $1K | $22K | 8.70% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.65% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE RD NW STE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 9.30% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | 1099 18TH ST. DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 3.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY RD. WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.36% |
| HBA TRUST ADMINISTRATORS LLC3 | 1099 18TH ST. DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.39% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $3K | $13K | 18.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 12.54% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.57% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 363 | $622K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $247K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $247K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $225K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $225K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $225K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.