| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC. | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | OXFORD HEALTH INSURANCE, INC | $61K | $2K | $63K | 3.07% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORP. | 99 MARCUS STREET FL 3 HAMILTON, MT 598402580 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 2.92% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO INC | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | SUN LIFE & HEALTH INSURANCE COMPANY | $12K | — | $12K | 10.93% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO. INC. | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $4K | — | $4K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO INC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | SUN LIFE & HEALTH INSURANCE COMPANY | $1K | — | $1K | 14.70% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO. INC. | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INS. CO. | $542 | — | $542 | 9.19% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 222 | $2.0M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 51 | $61K |
| Vision | FIDELITY SECURITY LIFE INS. CO. | 111 | $6K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $351K |
| Short-term disability(2 contracts) | SUN LIFE & HEALTH INSURANCE COMPANY | 144 | $116K |
| Long-term disability | SUN LIFE & HEALTH INSURANCE COMPANY | 144 | $109K |
| Other | FEDERAL INSURANCE COMPANY | 135 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.