| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 | 393 W GORDON AVE STE 1 LAYTON, UT 84041 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $82K | $82K | 3.07% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 W GORDON AVE #1 LAYTON, UT 84041 | KAISER FOUNDATION HEALTH PLAN | $9K | $0 | $9K | 3.28% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 5.78% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 6.07% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 13.13% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 9.45% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.32% |
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 | 455 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 632 | $3.0M |
| Dental | STANDARD INSURANCE COMPANY | 457 | $234K |
| Vision | STANDARD INSURANCE COMPANY | 336 | $36K |
| Life insurance | STANDARD INSURANCE COMPANY | 670 | $91K |
| Short-term disability | STANDARD INSURANCE COMPANY | 130 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 160 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.