| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT SERVICES3 | 79 CONNELY BOULEVARD SHARON, PA 16146 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 6.36% |
| KENETH B. MCEWEN3 | 269 MAIN STREET GREENVILLE, PA 16125 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 4.22% |
| PLANCORP VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PLANCORP VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT SERVICES, INC. | PO BOX 670 SHARON, PA 16146 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.16% |
| PLANCORP VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE ROAD SUITE 100 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FRINGE BENEFIT SERVICES Filed as: FRINGE BENEFIT SERVICES, INC. | PO BOX 670 SHARON, PA 16146 | DELTA DENTAL OF ARIZONA | $4K | — | $4K | 21.09% |
| FRINGE BENEFIT SERVICES4 | PO BOX 670 SHARON, PA 16146 | MERITAIN HEALTH, INC. | $147K | $135K | $281K | — |
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 | 621 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH, INC. | 621 | $0 |
| Dental | DELTA DENTAL OF ARIZONA | 286 | $17K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 693 | $43K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 80 | $68K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 621 | $698K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.