| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | PO BOX 785700 SUITE 1650 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $56K | $59K | 10.58% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST. COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 3.27% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD NE, SUITE 200 ATLANTA, GA 30326 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $4K | — | $4K | 5.12% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW, SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $700 | $4K | 17.83% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $598 | $4K | 18.06% |
| FALLON BENEFITS GROUP INC.3 | PO BOX 785700 PHILADELPHIA, PA 19178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 18.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $182 | $182 | 1.34% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | EYEMED VISION CARE | $897 | — | $897 | 11.14% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD NW SUITE 1650 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $430 | $20 | $450 | 15.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD. STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | — | -$3K | — |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $647K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 82 | $558K |
| Vision | EYEMED VISION CARE | 123 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63 | $20K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 15 | $85K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.