Industry TrendsNov 2, 2026
The 2027 Renewal Is Going to Sting. Here Is What I Am Telling Our Clients.
Doug ForemanRead Trusted Benefits Advisors Since 1969
Turn Employee Benefits Into An Investment… Not An Expense
FBP provides intelligent, innovative, and flexible employee benefits solutions that attract, retain, and reward top talent.
- Years of Service
- 50+Years of Service
- Serving Since
- 1969Serving Since
- Family Generations
- 2Family Generations
- Partner Firm
- UBAPartner Firm
Best Insurance Company — Best of Winter Park, 2023 & 2026
Independent Agency
We answer to you — and no one else
As an independent agency, we’re not tied to any single insurance carrier. That means our recommendations are built around one thing: what’s right for your organization and your people.
Family-owned since 1969 and now in our second generation, we combine independent, objective advice with the national resources of a UBA Partner Firm.
Learn more about our storyCarrier-neutral advice
No hidden agenda — recommendations are never influenced by a single carrier.
Tailored to your organization
Built around your budget, your workforce, and what actually fits your people.
One dedicated local team
The same trusted advisors with you for the long term, right here in Central Florida.
National resources, local service
The scale and insight of a UBA Partner Firm, delivered personally.
In Your Corner
When you’re told there are no options, that’s when we go to work
Getting a steep renewal and hearing your broker say the only choice is to accept it isn’t good enough. Because we work for you — not the carriers — that’s exactly the moment we dig in: challenging the increase, marketing your plan, and bringing real alternatives to the table.
And we fight for your whole team — not just the executives. Everyone deserves benefits they can actually understand and use, from the front line to the corner office.
We work for you, not the carriers
As an independent agency, our loyalty is to your organization and your people — never to a single insurer.
We challenge every high renewal
We pressure-test the increase, take your plan to market, and negotiate hard for a better outcome.
Benefits for your whole team
We design plans your entire workforce can use and value — not just coverage that looks good on paper for a few.
We work with the nation’s leading insurance carriers on your behalf
Carrier names are shown for identification purposes only and do not imply endorsement. Available carriers vary by plan and eligibility.
01What We Do
Our Solutions
Comprehensive employee benefit solutions, tailored to your organization.
Employee Benefits
Comprehensive employee and voluntary benefits solutions — medical, dental, vision, life, disability, and more.
Employer Benefits
Strategic benefit program design, administration, and year-round support for your HR team.
Alternative Funding
Self-funded, level-funded, and reference-based pricing options that control costs without cutting coverage.
Education Forum
Stay informed with the latest in employee benefits, compliance, and workplace wellness.
02The Payoff
What Great Benefits Deliver
The right benefits strategy pays off across your entire organization.
Attract & Retain Talent
Competitive, well-designed benefits help you stand out and keep the people who drive your business.
Control Costs
Benchmarking and smart plan design keep spending predictable without cutting the coverage employees value.
Reduce HR Burden
Streamlined enrollment, administration, and compliance support free your team to focus on people, not paperwork.
Support Your People
Clear communication and year-round guidance help employees understand and use the benefits they have.
A commitment that spans generations.
Since 1969, two generations of the same family have built lasting relationships with Florida employers.
- Years of Service
- 50+Years of Service
- Serving Since
- 1969Serving Since
- Family Generations
- 2Family Generations
- Partner Firm
- UBAPartner Firm
03Why FBP
Why Choose FBP?
Independent advice, decades of experience, and a partnership built to last.
Independent & Objective
As an independent agency, our advice answers to you — not to any single insurance carrier.
Five Decades of Experience
Family-owned since 1969 and now in our second generation, we bring deep, tested expertise to every plan.
A True Partner
A UBA Partner Firm backed by national resources, with the responsiveness of a local Florida team.
UBA Partner Firm
National Resources, Local Service
As a Partner Firm of United Benefit Advisors (UBA), we belong to one of the nation’s largest independent employee benefits advisory organizations. UBA’s network of more than 200 partner firms gives us access to benchmarking data, compliance resources, and best practices that rival the largest national brokerages.
The difference? You still get a dedicated local team in Central Florida who knows your market, your people, and your goals — backed by the collective knowledge of an organization that advises on over $100 billion in annual health spending.
See how your plan comparesWhat UBA Membership Means for You
- Benchmarking Data
Compare your plan design and costs against thousands of employer groups nationwide.
- Compliance Support
Access to compliance experts and resources that keep you ahead of regulatory changes.
- Negotiating Power
Leverage the collective volume of 200+ partner firms when negotiating with carriers.
- Best Practices
Proven strategies shared across the network — from wellness programs to alternative funding.
04Testimonials
What Our Clients Say
Trusted by Central Florida employers since 1969 — and named Best Insurance Company in Best of Winter Park, 2023 & 2026.
“We have been using Fringe Benefits as our insurance broker for sixteen years, and I have been consistently impressed with their level of service. They have been instrumental in helping us find the right insurance policies to meet our needs, and their expertise and guidance have been invaluable. They take the time to understand our school’s needs and tailor their recommendations accordingly. Their team is always available and responsive, and they make the process of obtaining insurance simple and easy. I would highly recommend Fringe Benefits to anyone looking for a reliable and knowledgeable insurance broker.”
Free Resource
Get the 2026 Benefits Compliance Calendar
Stay ahead of ACA reporting, ERISA, COBRA, and open-enrollment deadlines — sorted by group size so you only track what applies to you. Enter your email for an instant download; we’ll send a copy to your inbox too.
05Insights
Latest Articles
Stay informed with the latest in employee benefits.
Request Your Free Benchmark Analysis
See how your benefits program and pricing compare to similar organizations. Send us a note and one of our advisors will follow up — no cost, no obligation.
- Independent, carrier-neutral guidance
- Tailored to your organization and budget
- A response within 1 business day