| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW JERSEY, INC. | $27K | — | $27K | 5.46% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $4K | $13K | 7.08% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 8.62% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $7K | — | $7K | 12.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $372 | — | $372 | 0.71% |
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION LAFFITTE & CASELLAS | PO BOX 195556 SAN JUAN, PR 00919 | TRIPLE S SALUD, INC. | $3K | — | $3K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $953 | $7K | 15.85% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $472 | $2K | 7.60% |
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 | 951 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 39 | $282K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 1,812 | $758K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 1,342 | $53K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 951 | $232K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 877 | $86K |
| Prescription drug | TRIPLE S SALUD, INC. | 6 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 951 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,812 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.