| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | KAISER FOUNDATION HEALTH PLAN INC | $32K | — | $32K | 2.68% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NJ, INC. | $13K | — | $13K | 4.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW Y ORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 11.69% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $141 | $141 | 0.06% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 13.03% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $7K | — | $7K | 17.16% |
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 | 819 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 448 | $1.2M |
| Dental | DELTA DENTAL OF NJ, INC. | 1,346 | $318K |
| Vision | EYEMED VISION CARE | 1,253 | $43K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 945 | $224K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 945 | $224K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 945 | $224K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 945 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,346 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.