| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS | 2211 LEE ROAD WINTER PARK, FL 32789 | HEALTH FIRST HEALTH PLANS, INC. | $34K | $0 | $34K | 4.00% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.62% |
| SCOTT ROBERT BUNKERS3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.61% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $191 | $4K | 12.24% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE ROAD SUITE 100 WINTER PARK, FL 32789 | EYEMED | $920 | — | $920 | 9.92% |
| DEININGER BENEFITS ADVISORS INC3 | PO BOX 372696 SATELLITE BEACH, FL 32937 | EYEMED | $301 | — | $301 | 3.25% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH FIRST HEALTH PLANS, INC. | 103 | $859K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $137K |
| Vision | EYEMED | 90 | $9K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $137K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $107K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $137K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $32K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.