| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP INC | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | AETNA LIFE INSURANCE CO. | $9K | $0 | $9K | 0.88% |
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP INC | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 21.69% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.54% |
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP INC | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | $0 | $488 | 3.70% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.40% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.17% |
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFIT GROUP INC | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | U.S. LEGAL SERVICES OF GEORGIA, INC. | $624 | $0 | $624 | 10.62% |
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 | 163 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 227 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 227 | $1.1M |
| Vision | AETNA LIFE INSURANCE CO. | 227 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $74K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 227 | $1.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.