| 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 | $193K | — | $193K | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE BENEFIT GROUP, INC. EIN 74-2124394 | Contract Administrator Service code 13 | — | $5.6M |
| FRINGE INSURANCE BENEFITS, INC. EIN 74-2616364 | Insurance agents and brokers Service code 22 | — | $5.2M |
| PENTEGRA TRUST COMPANY EIN 13-4021417 | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $750 |
| ERICKSON DEMEL & CO., PLLC EIN 74-2332708 | Accounting (including auditing) Service code 10 | — | $725 |
| ARMANINO, LLP EIN 94-6214841 | Accounting (including auditing) Service code 10 | — | $0 |
| ERISA SMART, INC. EIN 55-1553009 | Trustee (directed) Service code 25 | — | $0 |
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 | 12,429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,268 | $27.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,271 | $7.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 9,271 | $7.4M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 9,271 | $19.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,271 | $7.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,271 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,271 | — |
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.