| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREVALING WAGE SOLUTION CENTER LLC4 | 318 S MARKET STREET MECHANICSBURG, PA 17055 | NATIONWIDE | $17K | — | $17K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.4 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $9K | — | $9K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE BENEFIT GROUP, INC. EIN 74-2124394 ADMIN | Claims processing; Plan Administrator Service code 12 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | $85K |
| CIGNA EIN 59-1031071 PPO | Insurance services Service code 23 | 900 COTTAGE GROVE ROAD BLOOMFIELD, OK 73114 | $31K |
| PREVALING WAGE SOLUTION CENTER LLC EIN 83-3430828 BROKER | Insurance agents and brokers Service code 22 | 318 S MARKET STREET MECHANICSBURG, PA 17055 | $13K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 269 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.