| 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 | $19K | $132K | $151K | 5.32% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.15% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $8K | $28K | 22.48% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.93% |
| 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 | $5K | $0 | $5K | 15.00% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $178 | $0 | $178 | 15.01% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.8M |
| Vision | VISION SERVICE PLAN | 258 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $123K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $27K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $124K |
| 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."
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.