| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 5.84% |
| CORPORATE BENEFIT PARTNERS3 | 2255 GLADES RD. SUITE 324A BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 1.66% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | 135 CROSSWAYS PARK DR., SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$303 | -$303 | -0.04% |
| FRINGE BENEFIT PLANS INC Filed as: FRINGE BENEFIT PLANS INC. | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | GUARDIAN | $5K | $1K | $7K | 8.49% |
| HARRISON-DAVIS INC Filed as: HARRISON-DAVIS INC. | 5426 BAY CENTER DRIVE, SUITE 550 TAMPA, FL 33609 | GUARDIAN | $410 | — | $410 | 0.52% |
| FRINGE BENEFIT PLANS INC Filed as: FRINGE BENEFIT PLANS | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| FRINGE BENEFIT PLANS INC Filed as: FRINGE BENEFIT PLANS | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| FRINGE BENEFIT PLANS INC Filed as: FRINGE BENEFIT PLANS | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| FRINGE BENEFIT PLANS INC Filed as: FRINGE BENEFIT PLANS | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 10.02% |
| FRINGE BENEFIT PLANS INC Filed as: FRINGE BENEFIT PLANS | 2211 LEE RD, SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12 | — | $12 | 10.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATOR EIN 33-0330036 | Plan Administrator Service code 14 | 1528 S. EL CAMINO REAL SAN MATEO, CA 94402 | $28K |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $824K |
| Dental | GUARDIAN | 113 | $79K |
| Vision | GUARDIAN | 113 | $79K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $20K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 113 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.