| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 3445 PEACHTREE RD. STE 200 ATLANTA, GA 30326 | BLUERE OF TENNESSEE | $79K | — | $79K | 5.61% |
| STEPHANIE HAWKINS3 | 8 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUERE OF TENNESSEE | $1K | — | $1K | 0.09% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NE #200 ATLANTA, GA 30326 | SYMETRA LIFE INSURANCE COMPANY | $70K | — | $70K | 14.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | SYMETRA LIFE INSURANCE COMPANY | — | $17K | $17K | 3.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.37% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, LLC | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 4.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPEROR BLVD. STE 200 DURHAM, NC 27703 | KAISER FOUNDATION HEALTH PLAN INC | $135 | — | $135 | 0.05% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | FOUR EVER LIFE INS CO | $24K | — | $24K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 3060 PEACHTREE RD NE SUITE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 9.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $206 | — | $206 | 0.11% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3445 PEACHTREE ROAD SUITE 200 ATLANTA, GA 30326 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $13K | — | $13K | 10.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 8 CADILLAC DR #200 BRENTWOOD, TN 37027 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $13K | — | $13K | 10.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 17.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 8 CADILLAC DR. STE 200 CREEKSIDE CROSSING BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $952 | $63 | $1K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 17.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 8 CADILLAC DR, STE 200 CREEKSIDE CROSSING BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $409 | $63 | $472 | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE STE 200 CREEKSIDE CROSSING BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $63 | $436 | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | METLIFE LEGAL PLANS | $1K | — | $1K | 7.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP/FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | METLIFE LEGAL PLANS | $801 | — | $801 | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | — | $194 | $194 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: AJ GALLAGHER & ASSOCIATES | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | — | $108 | $108 | 0.55% |
| GROUP INSURANCE SERVICE INC3 Filed as: GROUP INSURANCE SERVICE | — | MAGELLAN HEALTH SERVICES | $197 | — | $197 | 2.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $513 | — | $513 | 20.01% |
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 | 754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUERE OF TENNESSEE | 1,166 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $192K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,269 | $121K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $481K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $481K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 34 | $266K |
| Other(5 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 530 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,269 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.