| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHAN FALLON3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $68K | — | $68K | 2.82% |
| PAMELA LAWHORN3 | 900 S. GAY STREET 4TH FLOOR KNOXVILLE, TN 37902 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $18K | — | $18K | 0.74% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $248 | $12K | 15.44% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $599 | $8K | 14.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 900 S. GAY STREET 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $688 | — | $688 | 1.22% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE GROUP INC RD NW STE 1650 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $485 | $7K | 14.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S. GAY STREET 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $557 | — | $557 | 1.22% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE GROUP INC RD NW STE 1650 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $409 | $6K | 14.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S. GAY STREET 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $444 | — | $444 | 1.16% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE GROUP INC RD NW STE 1650 ATLANTA, GA 30305 | TELADOC | $1K | — | $1K | 15.00% |
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 | 205 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 586 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 586 | $2.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 586 | $2.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 205 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 205 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.