| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS | — | CIGNA | $23K | $0 | $23K | 8.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | — | CIGNA | $9K | $2K | $11K | 4.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 625817 VIRGINAL BEACH, VA 23446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.71% |
| FRINGE BENEFITS ANALYST LLC3 Filed as: FRINGE BENEFITS ANALYST | 393 GORDON AVE STE 1 LAYTON, UT 84041 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.84% |
| FRINGE BENEFITS ANALYST LLC3 Filed as: FRINGE BENEFITS ANALYST | 393 W GORDON AVE STE 1 LAYTON, UT 84041 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $773 | $0 | $773 | 6.10% |
| FRINGE BENEFITS ANALYST LLC3 | 393 W GORDON AVE STE 1 LAYTON, UT 84041 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $494 | $0 | $494 | 3.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC. | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | OPTICARE OF UTAH | $679 | $0 | $679 | 9.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $276 | $0 | $276 | 5.88% |
| FRINGE BENEFITS ANALYST LLC3 Filed as: FRINGE BENEFITS ANALYST | 393 GORDON AVE STE 1 LAYTON, UT 84041 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $192 | $0 | $192 | 4.09% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 90 | $274K |
| Dental | CIGNA | 90 | $274K |
| Vision | OPTICARE OF UTAH | 74 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.