| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS | PO BOX 5668 CONCORD, CA 94524 | BERKSHIRE HATHAWAY SPECIALTY COMPANY | $64K | — | $64K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 12.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FL SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 5.87% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $168 | $168 | 0.03% |
| LPL FINANCIAL CORP3 | ATTN CLIENT COMPENSATION DEPARTMENT 4707 EXECUTIVE DR SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 3.74% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET FLOOR 4 NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $566 | $389 | $955 | 0.21% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, INC. | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FOUR EVER LIFE INS CO. | $13K | — | $13K | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | VISION SERVICE PLAN | $2K | — | $2K | 2.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 NEW YORK, NY 10014 | VISION SERVICE PLAN | $429 | — | $429 | 0.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 52.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVE STATEN ISLAND, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | — | $7K | $7K | 15.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 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 | 937 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INS CO. | 26 | $220K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 821 | $75K |
| Vision | VISION SERVICE PLAN | 799 | $89K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 964 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 964 | $596K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 964 | $596K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY COMPANY | 787 | $643K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,192 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.