| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $39K | $105K | 3.22% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $14K | $49K | 4.45% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL AND CO. INC. | 350 HUDSON STREET NEW YORK, NY 100144500 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $67K | — | $67K | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $17K | $17K | 12.49% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & COMPANY | 350 HUDSON STREET NEW YORK, NY 100144500 | ZURICH AMERICAN INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.03% |
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 | 2,644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 55 | $672K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 505 | $858K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,844 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,644 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,644 | $3.3M |
| Other | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | 384 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,644 | — |
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."
No prospect flags tripped on this filing.