| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT SERVICES5 Filed as: FRINGE BENEFIT GROUP, INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | — | $34K | $34K | 2.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. - DALLAS | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 752511527 | NATIONWIDE LIFE INSURANCE | $31K | — | $31K | 1.82% |
| FIRST HEALTH5 | 3200 HIGHLAND AVENUE DOWNERS GROVE, IL 60515 | NATIONWIDE LIFE INSURANCE | — | $15K | $15K | 0.91% |
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 | 1,535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 200 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Dental | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Vision | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Life insurance | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Short-term disability | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Prescription drug | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE | 1,535 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,535 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.