| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 FL 4 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | — | $147K | 4.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | — | $147K | 4.52% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 10014 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.47% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 9.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST. 4TH FL NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $14K | 10.30% |
| NEW YORK ROSBRUCH AND HARNIK3 | 800 WESTCHESTER AVE 4TH FLOOR, N 409 RYE BROOK, NY 10573 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 0.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $2K | — | $2K | 8.32% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $287 | — | $287 | 1.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | EYEMED VISION CARE | $349 | — | $349 | 7.72% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $56 | — | $56 | 1.24% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | ACE INSURANCE COMPANY | $839 | — | $839 | 20.00% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ACE INSURANCE COMPANY | $420 | — | $420 | 10.01% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 354 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $206K |
| Vision(2 contracts) | EYEMED VISION CARE | 301 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $132K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $132K |
| Other | ACE INSURANCE COMPANY | 197 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.