| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 Filed as: AMERICAN INSURANCE ADMINISTRATORS I | 4550 LENA DR MECHANICSBURG, PA 17055 | HIGHMARK INC. | $26K | — | $26K | 2.97% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO., INC. | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $4K | $24K | 11.73% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NJ, INC. | $4K | — | $4K | 4.28% |
| CRAIG I HASDAY3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $153 | $4K | 10.38% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION BENEFITS OF AMERICA | $280 | — | $280 | 3.63% |
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 | 338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 274 | $885K |
| Dental | DELTA DENTAL OF NJ, INC. | 143 | $104K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 135 | $22K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $40K |
| Prescription drug | HIGHMARK INC. | 274 | $885K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 120 | $205K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.