| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFIRD ROAD STE 105 WEXFORD, PA 15090 | HM INSURANCE GROUP | $0 | — | $0 | 0.00% |
| FRINGE BENEFIT SERVICES | PO BOX 670 SHARON, PA 16146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FRINGE BENEFIT SERVICES3 | PO BOX 670 SHARON, PA 16146 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FRINGE BENEFIT SERVICES3 | 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 | $3K | — | $3K | 21.29% |
| MERITAIN HEALTH5 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | MERITAIN HEALTH, INC. | — | $272K | $272K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Insurance agents and brokers; Plan Administrator Service code 14 | 1719 NJ-10 PARSIPPANY, NJ 07054 | $272K |
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 | 725 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH, INC. | 725 | $0 |
| Dental | DELTA DENTAL OF ARIZONA | 286 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 275 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $30K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 743 | $938K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
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.