| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $7K | — | $7K | 3.92% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL RD. AUSTIN, TX 78726 | NATIONWIDE | $5K | $100K | $105K | 164.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1000 WALNUT STREET KANSAS CITY, MO 64141 | NATIONWIDE | $3K | $47K | $49K | 77.09% |
| HBC CONSULTING GROUP LLC3 | 7 TROOM COURT MOORESTOWN, NJ 08057 | NATIONWIDE | $3K | $29K | $32K | 49.28% |
| FIRST HEALTH3 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE | — | $15K | $15K | 23.44% |
| CIGNA3 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | NATIONWIDE | — | $14K | $14K | 21.23% |
| JOSEPH MARINI3 | 1200 ROUTE 22, SUITE 2000 BRIDGEWATER, NJ 08807 | NATIONWIDE | $1K | $12K | $14K | 21.12% |
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 | 663 | 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) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE | 142 | $64K |
| Life insurance | NATIONWIDE | 142 | $64K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 581 | $186K |
| Other | NATIONWIDE | 142 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.