| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 1.65% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 4.13% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.49% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $13K | — | $13K | 21.78% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.23% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $1K | — | $1K | 9.95% |
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 | 1,242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 40 | $193K |
| Dental | ANTHEM HEALTH PLANS, INC. | 40 | $193K |
| Vision(2 contracts) | EYEMED VISION CARE | 2,143 | $69K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,405 | $450K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,096 | $163K |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 1,008 | $1.9M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,242 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,143 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.