| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $4K | $8K | 4.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $0 | $5K | 2.73% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $2K | $5K | 4.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $0 | $3K | 2.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 570 RANCHEROS DRIVE STE 100 SAN MARCOS, CA 92069 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $11K | $0 | $11K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $2K | $0 | $2K | 4.55% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $2K | $0 | $2K | 4.35% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $312 | $295 | $607 | 4.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $375 | $0 | $375 | 2.73% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $32 | $33 | $65 | 5.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $32 | $0 | $32 | 2.48% |
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 | 775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 936 | $52K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 775 | $190K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 775 | $1K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 775 | $112K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | 775 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.