| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY LAYMAN3 Filed as: JEFFREY K LAYMAN | 3445 PEACHTREE RD STE 200 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2.1M | — | $2.1M | 5.04% |
| 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 | — | $94K | $94K | 0.23% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $173K | $20K | $193K | 16.76% |
| 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 | — | $8K | $8K | 0.70% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162K | $19K | $181K | 16.75% |
| 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 | — | $6K | $6K | 0.56% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $139K | $16K | $155K | 16.75% |
| 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 | — | $3K | $3K | 0.32% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | NATIONAL VISION ADMINISTRATORS, LLC | $33K | — | $33K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $129K | — | $129K | 47.80% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE STE 1650 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95K | — | $95K | 35.20% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 30305 | 1-800MD, LLC | $47K | — | $47K | 28.27% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $3K | $27K | 16.75% |
| 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 | — | $1K | $1K | 0.80% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67K | — | $67K | 44.80% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE ROAD, NE STE 1650 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $53K | — | $53K | 35.20% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 56.00% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NW SUITE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 44.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 55.99% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 44.00% |
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 | 3,313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 9,302 | $41.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 9,302 | $41.0M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 10,112 | $330K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,313 | $1.2M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,338 | $926K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,340 | $1.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 9,302 | $41.0M |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,544 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,112 | — |
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.
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.