| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $5K | $30K | $35K | 39.05% |
| CLJM LLC Filed as: CLJM, LLC | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | NATIONWIDE | $7K | $17K | $24K | 26.92% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE CO. | $2K | $6K | $8K | 12.73% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENEFITS RESEARCH | 325 N. KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE CO. | $3K | — | $3K | 5.00% |
| DIGITAL INSURANCE LLC | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE CO. | $3K | — | $3K | 4.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS EIN 74-2616364 NONE | Claims processing Service code 12 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $35K |
| CLJM, LLC EIN 35-2232153 NONE | Insurance agents and brokers Service code 22 | 8235 FORSYTH BLVD SUITE 1200 CLAYTON, MO 63105 | $24K |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN INSURANCE CO. | 103 | $64K |
| Vision | GUARDIAN INSURANCE CO. | 103 | $64K |
| Life insurance | GUARDIAN INSURANCE CO. | 103 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.