| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | — | $86K | 1.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLAN BENEFIT SERVICES, INC. EIN 74-2619989 | Contract Administrator Service code 13 | — | $4.3M |
| FRINGE INSURANCE BENEFITS, INC. EIN 74-2616364 | Insurance agents and brokers Service code 22 | — | $4.3M |
| ERICKSON DEMEL & COMPANY EIN 74-2332708 | Accounting (including auditing) Service code 10 | — | $8K |
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 | 15,522 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 15,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,150 | $44.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,277 | $4.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,277 | $4.5M |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 8,277 | $25.8M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,277 | $5.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,277 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,277 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.