| 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 | — | $71K | $71K | 2.49% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 W GORDON AVE #1 LAYTON, UT 84041 | KAISER FOUNDATION HEALTH PLAN | $9K | — | $9K | 2.88% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 3.57% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.85% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $781 | — | $781 | 2.23% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.09% |
| FRINGE BENEFIT ANALYSTS LLC3 | 393 WEST 1000 NORTH STE 1 LAYTON, UT 84041 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.11% |
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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | 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 | 284 | $3.2M |
| Dental | STANDARD INSURANCE COMPANY | 347 | $193K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $2.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 668 | $70K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $33K |
| Long-term disability | STANDARD INSURANCE COMPANY | 76 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.