| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE BENEFIT ANALYSTS LLC3 Filed as: FRINGE BENEFIT ANALYSTS | 393 W GORDON AVE STE 1 LAYTON, UT 84041 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $86K | $86K | 2.90% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 W GORDON AVE #1 LAYTON, UT 84041 | KAISER FOUNDATION HEALTH PLAN | $10K | — | $10K | 2.76% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 5.90% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.35% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.73% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.53% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.88% |
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 | 415 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $3.3M |
| Dental | STANDARD INSURANCE COMPANY | 376 | $206K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $3.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 683 | $73K |
| Short-term disability | STANDARD INSURANCE COMPANY | 126 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 83 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.