| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFIT GROUP INC.3 Filed as: FALLON BENEFITS GROUP/JEFFREY LAYMA | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $613K | $61K | $674K | 5.29% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88K | $79K | $167K | 19.02% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $68K | $8K | $75K | 16.75% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $5K | $49K | 16.75% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.75% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | GERBER | $12K | — | $12K | 10.00% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $14K | 16.75% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | 1-800MD, LLC | $14K | — | $14K | 24.69% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 10.73% |
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 | 1,042 | 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) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,233 | $12.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,373 | $878K |
| Vision | GERBER | 3,408 | $115K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,042 | $450K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,042 | $134K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,042 | $290K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,233 | $12.7M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,599 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,408 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.