| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $150K | $24K | $175K | 3.19% |
| WILLAIM B BEAVERS3 | PO BOX 1472 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 11.80% |
| GRACE PASSARELLA3 | PO BOX 612 ROSEVILLE, CA 95661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 8.17% |
| JENNIFER L DANN3 | PO BOX 1205 FORESTHILL, CA 95631 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.51% |
| CHRISTOPHER SAULLE3 | 4216 HERMITAGE ROAD VIRGINIA BEACH, VA 23455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.72% |
| JEANETTE Y DURRANI3 | 3440 LUMLEY LN SACRAMENTO, CA 95834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.52% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS | 1100 CORPORATE WAY SUITE 100 SACREMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.56% |
| MELANIE JENNINGS3 Filed as: MELANIE M JENNINGS | 2101 263RD LANE SE SAMMAMISH, WA 98075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| LUIS C BARZANA3 | 9301 SOUTHEST 123RD AVENUE MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| ROBERT N LOUD3 | 62 DELAFIELD ISLAND ROAD DARIEN, CT 06820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| KELLY MCGARRY3 | 5411 BERWYN RD STE 301 B BERWYN HEIGHTS, MD 20740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $868 | — | $868 | 0.53% |
| GREGORY LAWRENCE3 | 1025 EXECUTIVE BLVD SUITE 111 CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $823 | — | $823 | 0.51% |
| MERRITT ENTERPRISE LLC3 | 3518 BONNIE DRIVE APOPKA, FL 32703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $811 | — | $811 | 0.50% |
| CHRISTOPHER BLOVITS3 | 3213 THOMAS STREET NORFOLK, VA 23513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $747 | — | $747 | 0.46% |
| ANDREA STEPHENS3 | 215 54 STREET VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $723 | — | $723 | 0.44% |
| SEAN MCGARRY3 | 5411 BERWYN RD STE 301 B BERWYN HEIGHTS, MD 20740 | CONTINENTAL AMERICAN INSURANCE COMPANY | $710 | — | $710 | 0.44% |
| EVAN D CROSS3 Filed as: EVAN CROSS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $398 | — | $398 | 0.24% |
| STEVEN MONEY3 Filed as: STEVEN D MONEY | PO BOX 550815 ATLANTA, GA 30355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | — | $382 | 0.24% |
| SANDRA P CRAFF3 | 844 NORMANDY DRIVE SUFFOLK, VA 23434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 0.17% |
| ASHLEY J HORNE3 | 414 ELIZABETH STREET SUFFOLK, VA 23434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $276 | — | $276 | 0.17% |
| BRENDA M MALANEY3 | 1304 RIVERFRONT COURT APT 202 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.15% |
| JENNIFER DELIA3 | 3 BLAUVELT RD BLAUVELT, NY 10913 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.15% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.10% |
| JULIE A PARACHE3 Filed as: JULIE PARACHE | 4819 W ADDISON ST CHICAGO, IL 60641 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.10% |
| GEORGE T BARRETT3 | 1325 MT. HERMON ROAD STE 11B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.10% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.09% |
| GLENN E SMITH3 Filed as: GLENN E SMITH II | 311 NAPLES CT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.07% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.05% |
| MICHAEL C DEMETRI3 | 7 TIDE STREET BOSTON, MA 02210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.04% |
| LAURA L KEECH3 | 8207 CAMPAIGN CIRCLE RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.04% |
| COURTNEY I COE3 | 1600 PRINCE STREET APT 115 ALEXANDRIA, VA 22314 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.04% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J MONTENEGRO | 580 WHITE PLAINS ROAD STE 115 TARRYTOWN, NY 10591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.03% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWNES LANDING TRL NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| RAYMON P KEECH III3 | 8027 CAMPAIGN CIRCLE RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL COHEN | 615 SANTANDER AVE UNIT D CORAL GABLES, FL 33134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | TRIPLE S SALUD, INC. | $6K | — | $6K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $5K | — | $5K | 10.72% |
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 | 3,434 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,803 | $5.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,803 | $5.6M |
| Vision | EYEMED VISION CARE | 1,009 | $51K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 915 | $163K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,803 | $5.6M |
| Prescription drug | TRIPLE S SALUD, INC. | 29 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,803 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.