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Sponsor portfolioWelfare / HealthEIN 03-0235389
FRED'S PLUMBING & HEATING, INC.
d/b/a FRED'S ENERGY
328 MAIN STREET · DERBY, VT 05829
8027665916
- Plans filed
- 3
- Years active
- 2017–2025
- Industry
- NAICS 45
- Latest filing
- 2025
Total premiums (latest)
$153K
No prior year
Persons covered
124
No prior year
Total participants
124
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #501$153K
FRED'S PLUMBING & HEATING, INC. HEALTH AND WELFARE BENEFIT PLAN
Mixed124 covered·2 carriers
Primary: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Plan #503$5K
FRED'S PLUMBING & HEATING, INC. LTD PLAN
Fully insured127 covered·1 carrier
Primary: RELIANCE STANDARD LIFE INSURANCE COMPANY
Plan #502$3K
FRED'S PLUMBING & HEATING EMPLOYEE BENEFIT PLAN
Fully insured128 covered·1 carrier
Primary: RELIANCE STANDARD LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Life | $122K | 23.5% | |
| Short-term disability | $122K | 23.5% | |
| Long-term disability | $122K | 23.5% | |
| Other | $122K | 23.5% | |
| Dental | $32K | 6.1% |
Carrier overview
2 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 350472300 | LSTDLTDOth | $122K | 79.3% | 1 | 1 | 124 |
EIN 030219391 | D | $32K | 20.7% | 1 | 1 | 72 |
Broker overview
4 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| CROSS INSURANCE | MANCHESTER, NH | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, DELTA DENTAL PLAN OF VERMONT, INC. | $13K | $1K | $14K | 60.0% | 1 |
| JAMES R NELLIGAN & ASSOCIATES LLC | WALL TOWNSHIP, NJ | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 29.1% | 1 |
| AMWINS | WALL TOWNSHIP, NJ | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.6% | 1 |
| COMBINED SERVICES LLC | CONCORD, NH | DELTA DENTAL PLAN OF VERMONT, INC. | $299 | $0 | $299 | 1.3% | 1 |
History & trajectory
9 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan