| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFITS INC | 11910 ANDEERSON MILL RD AUSTIN, TX 78726 | METROPOLITAN LIFE INSURANCE COMPANY | — | $174K | $174K | 2.36% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $753 | $753 | 2.65% |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 N STE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $192 | — | $192 | — |
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKERS LP | 15901 RED HILL AVE STE 100 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | — | $172 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $107 | $21 | $128 | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $108 | $108 | — |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 245 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $7.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $7.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $7.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $7.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $7.4M |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 222 | $89K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.