| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $94K | $94K | 4.31% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3445 PEACHTREE RD STE 200 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.23% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.22% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $5K | $44 | $5K | 12.66% |
| FALLON BENEFITS3 | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | TELADOC | $2K | — | $2K | 15.00% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $418 | — | $418 | 5.97% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE RD NW STE 1650 ATLANTA, GA 303052258 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $195K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $195K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $195K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.