| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | FIRST RELIANCE STANDARD | — | $12K | $12K | 4.95% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11K | $11K | 4.88% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.94% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.29% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $861 | $861 | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NY, INC. | 11 EAST 44TH STREET 6TH FLOOR NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $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 | 529 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 960 | $422K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 900 | $41K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 484 | $264K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 592 | $34K |
| Long-term disability | FIRST RELIANCE STANDARD | 529 | $253K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 556 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
No prospect flags tripped on this filing.