| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $227K | $2K | $228K | 3.03% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | GUARDIAN | $6K | $13K | $19K | 4.02% |
| AGENCY INSURANCE INC3 Filed as: AGENCY I S & W | — | GUARDIAN | $145 | — | $145 | 0.03% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $28K | $3K | $31K | 11.25% |
| ASSUREX | 175 S. THIRD STREET, STE 800 COLUMBUS, OH 43215 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $181 | $2K | 15.02% |
| ASSUREX | 175 S. THIRD STREEET, STE 800 COLUMBUS, OH 43215 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 32 BROADWAY, #1818 NEW YORK, NY 10004 | ZURICH AMERICAN INSURANCE COMPANY | — | $845 | $845 | 10.01% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $7.6M |
| Dental | GUARDIAN | 373 | $472K |
| Vision | GUARDIAN | 373 | $472K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 282 | $276K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 282 | $276K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 348 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.