| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 10.36% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $296 | $296 | 0.05% |
| HARVARD PRINTING GROUP5 | 175 US HIIGHWAY 46 WEST FARIFIELD, NJ 070042327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $95 | $95 | 0.01% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $89K | $9K | $99K | 16.59% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.33% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FOUR EVER LIFE INS CO. | $12K | — | $12K | 6.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $635 | $3K | 3.97% |
| BAGLIO, DAVEDA W3 | PO BOX 1719 BREA, CA 92822 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.16% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $220 | — | $220 | 0.30% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 15.00% |
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 | 2,185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INS CO. | 42 | $206K |
| Vision | VISION SERVICE PLAN | 854 | $74K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,185 | $646K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,185 | $724K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,185 | $646K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 818 | $596K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,500 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.