| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT, ARGANBRIGHT & HAZELBAKER, IN | 5007 PINE CREEK DR. WESTERVILLE, OH 43081 | NATIONWIDE | $25K | $0 | $25K | 8.46% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $8K | $0 | $8K | 2.54% |
| TABIT ARGANBRIGHT & HAZELBAKER INC.3 Filed as: TABIT, ARGANBRIGHT & HAZELBAKER, IN | 5007 PINE CREEK DR WESTERVILLE, OH 43081 | CRUM & FORESTER | $521 | $0 | $521 | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | CRUM & FORESTER | $138 | $0 | $138 | 2.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST HEALTH EIN 20-1736437 ADMINISTRATOR | Other commissions Service code 55 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | $0 |
| FRINGE INSURANCE BENEFITS INC. EIN 74-2616364 ADMINSTRATOR | Plan Administrator Service code 14 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $0 |
| TABIT, ARGANBRIGHT & HAZELBAKER, IN EIN 31-0878270 BROKER | Insurance brokerage commissions and fees Service code 53 | 5007 PINE CREEK DR WESTERVILLE, OH 43081 | $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 | 537 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | CRUM & FORESTER | 256 | $5K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 256 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.