| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $238K | $18K | $256K | 4.76% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS, INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | COMPANION LIFE INSURANCE COMPANY | $95K | — | $95K | 14.07% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | COMPANION LIFE INSURANCE COMPANY | $19K | — | $19K | 2.83% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | — | $48K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC. EIN 74-2616364 MEDICAL ADMINISTRATION | Contract Administrator Service code 13 | — | $76K |
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 | 2,220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $6.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $5.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 2,220 | $739K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,810 | $478K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 945 | $5.4M |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 328 | $672K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 529 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.