| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGWEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $96K | — | $96K | 17.88% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036112 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $274 | $274 | 0.05% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | $11K | $91K | 17.02% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FOUR EVER LIFE INS CO. | $9K | — | $9K | 6.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $2K | — | $2K | 2.90% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | ZURICH AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 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. | $2K | — | $2K | 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 | 1,236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INS CO. | 5 | $172K |
| Vision | VISION SERVICE PLAN | 700 | $73K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 770 | $536K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 770 | $536K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 770 | $536K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 699 | $534K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,236 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,236 | — |
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.