| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE RD STE 200 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2.4M | — | $2.4M | 4.90% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD NW, SUITE 200 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $107K | $107K | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $237K | $37K | $273K | 17.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY S. BLDG 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $210K | $34K | $244K | 17.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY S BLDG 2, STE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 0.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $202K | $33K | $235K | 17.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY S. BLDG 2 SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 0.86% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $123K | $6K | $130K | 29.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $5K | $43K | 9.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S. BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.34% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | NATIONAL VISION ADMINISTRATORS, LLC | $37K | — | $37K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $8K | $42K | 18.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY S BLDG 2, STE 125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.88% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | 1-800MD, LLC | $60K | — | $60K | 28.13% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | $4K | $38K | 17.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | PO BOX 785700 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $3K | $17K | 8.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY. S. BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $824 | $824 | 0.39% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 53.17% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 25.77% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 27.96% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NW SUITE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 17.58% |
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 | 5,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 8,644 | $49.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 8,644 | $49.8M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 8,853 | $369K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,137 | $1.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,137 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,137 | $1.4M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 8,644 | $49.8M |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,137 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,853 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.