| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, FLOOR 4 NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $145K | $67K | $212K | 3.63% |
| AMERICAN BENEFITS & COMPENSAT. SYS3 | 99 PARK AVE, 25TH FL NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 8.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 6.17% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 6.10% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $236 | — | $236 | 5.97% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $70 | — | $70 | 7.28% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $8 | — | $8 | — |
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 | 1,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 53 | $905K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $607K |
| Vision(5 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,601 | $175K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,461 | $5.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,461 | $5.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,461 | $5.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 53 | $298K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY OF NEW YORK | 1,494 | $2.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,461 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,601 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.