| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $123K | $137K | 6.34% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.13% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 17.64% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS INC. | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 11.75% |
| LUMBRA RISK ADVISORS LLC3 Filed as: LUMBRA RISK ADVISORS | 498 S LAKE DESTINY DRIVE ORLANDO, FL 32810 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.25% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 11.63% |
| LUMBRA RISK ADVISORS LLC3 Filed as: LUMBRA RISK ADVISORS | 498 S LAKE DESTINY DRIVE ORLANDO, FL 32810 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.37% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.78% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.2M |
| Vision | VISION SERVICE PLAN | 258 | $35K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $111K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $60K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.