| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1.7M | — | $1.7M | 3.58% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $773K | $27K | $800K | 1.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $275K | — | $275K | 14.21% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFIT GROUP INC. | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $62K | $62K | 3.21% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19K | $19K | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $144K | — | $144K | 12.58% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $75K | $75K | 6.59% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $66K | — | $66K | 5.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $27K | $27K | 2.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $92K | — | $92K | 13.68% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $26K | $26K | 3.92% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 2.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 1.29% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | 3060 PEACHTREE ROAD NE SUITE 1650 ATLANTA, GA 303052258 | NATIONAL VISION ADMINISTRATORS, LLC | $32K | — | $32K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | — | 1-800MD, LLC | $40K | — | $40K | 29.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 15.66% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.71% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $400 | $400 | 0.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. SUITE 315 CHARLOTTE, NC 28211 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 15.81% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY #378 KNOXVILLE, TN 37922 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | PO BOX 785700 PHILADELPHIA, PA 19178 | TRUSTMARK INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY #378 KNOXVILLE, TN 37922 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 40.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. SUITE 315 CHARLOTTE, NC 28211 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 11.74% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | TRUSTMARK INSURANCE COMPANY | $557 | — | $557 | 4.07% |
| FALLON BENEFITS GROUP INC.3 | 3445 PEACHTREE RD. NE STE 200 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 68.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $674 | $674 | 21.27% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $577 | — | $577 | 18.21% |
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 | 4,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 9,380 | $46.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 9,380 | $46.4M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 9,453 | $321K |
| Life insurance(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,894 | $3.8M |
| Short-term disability(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,894 | $3.8M |
| Long-term disability(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,894 | $3.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 9,380 | $46.4M |
| Other(8 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,330 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,453 | — |
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.