| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT SERVICES3 | PO BOX 670 SHARON, PA 16146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT SERVICES, INC. | PO BOX 670 SHARON, PA 16146 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.77% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT SERVICES INC | 79 CONNELY BOULEVARD SHARON, PA 16146 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.97% |
| FRINGE BENEFIT SERVICES3 | PO BOX 670 SHARON, PA 16146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FRINGE BENEFIT SERVICES | PO BOX 670 SHARON, PA 16146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FRINGE BENEFIT SERVICES3 Filed as: FRINGE BENEFIT SERVICES, INC. | PO BOX 670 SHARON, PA 16146 | DELTA DENTAL OF ARIZONA | $4K | — | $4K | 21.10% |
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | MERITAIN HEALTH, INC. | — | $120K | $120K | — |
| FRINGE BENEFIT SERVICES4 | PO BOX 670 SHARON, PA 16146 | MERITAIN HEALTH, INC. | $80K | — | $80K | — |
| AMCA SYSTEMS, LLC4 Filed as: AMCA SYSTEMS | 101 BRADFORD ROAD SUITE 340 WEXFORD, PA 15090 | MERITAIN HEALTH, INC. | — | $48K | $48K | — |
| FRISSORA & ASSOCIATES LLC4 Filed as: FRISSORA & ASSOCIATES | 103 BRADFORD ROAD, SUITE 105 WEXFORD, PA 15090 | MERITAIN HEALTH, INC. | — | $24K | $24K | — |
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 | 673 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH, INC. | 673 | $0 |
| Dental | DELTA DENTAL OF ARIZONA | 309 | $17K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 714 | $58K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $72K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 673 | $788K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.