| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS, LLC | 393 W. GORDON AVE, STE 1 LAYTON, UT 84041 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $2K | $51K | 4.94% |
| BILIL R. SCHNUPP3 | PO BOX 9406 BOISE, ID 83707 | BLUE CROSS OF IDEAO HEALTH SERVICE, INC. | $19K | — | $19K | 4.87% |
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS, LLC | — | ACE USA GROUP | $5K | — | $5K | 7.00% |
| SCHNUPP WILLIAM 63586S3 | KIM KILLEEN 10326 W. ALTAIR DR. STAR, ID 83669 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.87% |
| FRINGE BENEFITS ANALYST LLC3 Filed as: FRINGE BENEFIT ANALYST, LLC | 393 W. GORDON AVE, STE 1 LAYTON, UT 84041 | LIFEMAP ASSURANCE COMPANY | $334 | — | $334 | 9.19% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.4M |
| Dental(2 contracts, 2 carriers) | ACE USA GROUP | 115 | $93K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 113 | $31K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 56 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.