| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD SUITE 401 AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $170K | — | $170K | 8.62% |
| HOLMES MURPHY & ASSOCIATES3 | 5949 SHERRY LANE SUITE 902 DALLAS, TX 75251 | NATIONWIDE LIFE INSURANCE | $11K | — | $11K | 0.57% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS, INC | 11910 ANDERSON MILL ROAD SUITE 401 AUSTIN, TX 78726 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 4.91% |
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 | 1,381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE | 2,505 | $2.0M |
| Dental | NATIONWIDE LIFE INSURANCE | 2,505 | $2.0M |
| Vision | NATIONWIDE LIFE INSURANCE | 2,505 | $2.0M |
| Life insurance | NATIONWIDE LIFE INSURANCE | 2,505 | $2.0M |
| Short-term disability | NATIONWIDE LIFE INSURANCE | 2,505 | $2.0M |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 2,505 | $24K |
| Other | NATIONWIDE LIFE INSURANCE | 2,505 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,505 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.