| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | DELTA DENTAL INSURANCE COMPANY | $61K | — | $61K | 5.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | PO BOX 203318 DALLAS, TX 75320 | DELTA DENTAL INSURANCE COMPANY | $51K | — | $51K | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 606017604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $2K | $29K | 7.33% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $28K | — | $28K | 7.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 606017604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $18K | $1K | $19K | 7.27% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | — | $19K | 7.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 150 N. MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 606017604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | $816 | $13K | 7.24% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 7.11% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | VISION SERVICE PLAN | $8K | — | $8K | 5.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | PO BOX 201503 DALLAS, TX 753200001 | VISION SERVICE PLAN | $6K | — | $6K | 4.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAT'L INC. | 601 UNION STREET SUITE 1000 SEATTLE, WA 981014064 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $882 | $12K | 13.84% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $233 | $8K | 9.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAT'L INC. | 601 UNION STREET SUITE 1000 SEATTLE, WA 981014064 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $656 | $9K | 13.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $233 | $6K | 8.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAT'L INC. | PO BOX 201503 DALLAS, TX 75320 | HYATT LEGAL PLANS | $3K | — | $3K | 6.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | PO BOX 201503 DALLAS, TX 75320 | HYATT LEGAL PLANS | $1K | — | $1K | 2.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAT'L, INC. | PO BOX 203318 DALLAS, TX 75320 | HYATT LEGAL PLANS | — | $239 | $239 | 0.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES, INC. | 227 W TRACE STREET SUITE 1500 A CHARLOTTE, NC 28202 | HYATT LEGAL PLANS | — | $126 | $126 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS, SERVICES USA INC. | PO BOX 208318 DALLAS, TX 75320 | HYATT LEGAL PLANS | — | $74 | $74 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | PO BOX 851300 SHOREVIEW, MN 55126 | HYATT LEGAL PLANS | — | $60 | $60 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS, SERVICES USA INC. | 1018 W9TH AVENUE KING OF PRUSSIA, PA 194061225 | HYATT LEGAL PLANS | — | $57 | $57 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | HYATT LEGAL PLANS | — | $51 | $51 | 0.11% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 303052258 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.82% |
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 | 769 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $45K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,862 | $1.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 779 | $187K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 769 | $265K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 760 | $396K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 380 | $175K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $43K |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 769 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,862 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.