| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA | $117K | — | $117K | 3.22% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $9K | $24K | 7.90% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.06% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $10K | $23K | 9.25% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO., INC. | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | OXFORD HEALTH INSURANCE, INC. | $8K | — | $8K | 4.44% |
| MACKOUL & ASSOCIATES INC3 Filed as: MACKOUL & ASSOCIATES, INC. | 25 NASSAU LANE ISLAND PARK, NY 11558 | OXFORD HEALTH INSURANCE, INC. | $4K | — | $4K | 2.61% |
| MACKOUL & ASSOCIATES INC3 Filed as: MACKOUL & ASSOCIATES, INC. | 25 NASSAU LANE ISLAND PARK, NY 11558 | OXFORD HEALTH INSURANCE, INC. | $5K | — | $5K | 2.94% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $5K | $25K | 26.05% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED VISION CARE | $4K | — | $4K | 11.05% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $36 | — | $36 | 1.82% |
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 | 515 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA | 334 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 357 | $307K |
| Vision | EYEMED VISION CARE | 663 | $32K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 515 | $347K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 515 | $252K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 515 | $252K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 515 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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."
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.