| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | DOUGLAS FOREMAN 2211 LEE RD STE 100 WINTER PARK, FL 32789 | HEALTH OPTIONS, INC. | $52K | — | $52K | 4.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | DOUGLAS FOREMAN 2211 LEE RD STE 100 WINTER PARK, FL 32789 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 4.00% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS, INC | 2211 LEE RD. STE 100 WINTER PARK, FL 32789 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.95% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 156 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $96K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $96K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $96K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $96K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 156 | $1.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.