| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN FALLON3 | 3060 PEACHTREE RD NW STE 1650 ATLANTA, GA 30305 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $86K | — | $86K | 2.29% |
| JEFFREY LAYMAN3 | 3445 PEACHTREE RD. STE 200 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $75K | — | $75K | 1.98% |
| MEGAN MCCULLOUGH3 | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28209 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $46K | — | $46K | 1.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES (SE), INC. | 1901 ROXBOROUGH RD. STE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 7.52% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 7.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.15% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $686 | $11K | 15.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | — | 1-800MD, LLC | $2K | — | $2K | 18.45% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3445 PEACHTREE ROAD NE STE 1650 ATLANTA, GA 30326 | 1-800MD, LLC | $1K | — | $1K | 10.13% |
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 | 276 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 617 | $3.8M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 617 | $3.8M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 617 | $3.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $250K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $250K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $250K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.