| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $6K | $29K | $35K | 36.36% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | NATIONWIDE | $7K | $19K | $27K | 27.70% |
| FIRST HEALTH | 3200 HIGHLAND AVE DOWNERS GROVE, IL 60515 | NATIONWIDE | — | $5K | $5K | 4.91% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN LIFE INSURANCE CO. | $6K | $5K | $11K | 15.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC. EIN 74-2616364 NONE | Claims processing Service code 12 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $35K |
| CLJM LLC DBA HUNTLEIGH MCGEHEE EIN 35-2232153 NONE | Insurance agents and brokers Service code 22 | 5235 FORSYTH BLVD ST. LOUIS, MO 63105 | $27K |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE | 117 | $96K |
| Dental | GUARDIAN LIFE INSURANCE CO. | 104 | $72K |
| Vision | GUARDIAN LIFE INSURANCE CO. | 104 | $72K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. | 104 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.