| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC- NYC | 320 WEST 57TH NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC | $43K | $0 | $43K | 3.13% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | OXFORD HEALTH INSURANCE, INC | $25K | $0 | $25K | 1.79% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.46% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.08% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $326 | $116 | $442 | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST NEW YORK, NY 10019 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | $2K | $9K | 7.43% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 3.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.82% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.18% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $287 | $0 | $287 | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES - NY | 320 W 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $478 | $0 | $478 | 4.65% |
| ENROLLEASE3 Filed as: ONE DIGITAL - NEW YORK, NY | 200 GALLERIA PKY #1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $310 | $0 | $310 | 3.02% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS - NY | 200 GALLERIA PKY #1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $79 | $0 | $79 | 0.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF THE AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 25.00% |
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 | 136 | 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. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 212 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $66K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 135 | $10K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $388K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 131 | $128K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 131 | $128K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.