Plan #	Name	Funding	Carrier	Premiums	Covered	Latest year
501	FRED'S PLUMBING & HEATING, INC. HEALTH AND WELFARE BENEFIT PLAN	Mixed	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	$153K	124	2025
503	FRED'S PLUMBING & HEATING, INC. LTD PLAN	Fully Insured	RELIANCE STANDARD LIFE INSURANCE COMPANY	$5K	127	2024
502	FRED'S PLUMBING & HEATING EMPLOYEE BENEFIT PLAN	Fully Insured	RELIANCE STANDARD LIFE INSURANCE COMPANY	$3K	128	2024

Welfare plans

Sponsor portfolio

FRED'S PLUMBING & HEATING, INC.

EIN 03-0235389Latest filing 2025

Plans

Retirement

Welfare

$161K premiums

Participants

124

328 MAIN STREET - DERBY, VT 05829802-766-5916

Plans on this EIN

3 filings

#501Mixed-$153K - 124 lives #503Fully Insured-$5K - 127 lives #502Fully Insured-$3K - 128 lives

Benefits portfolio analytics

3 plans / $161K premiums / 379 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

Life$122K
Short-term disability$122K
Long-term disability$122K
Other$122K
Dental$32K

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor

79%top

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY79%
DELTA DENTAL OF CALIFORNIA21%

Broker market share

Schedule A broker compensation

Split broker

60%top

CROSS INSURANCE60%
JAMES R NELLIGAN & ASSOCIATES LLC29%
AMWINS10%
COMBINED SERVICES LLC1%

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.

Welfare#501