| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.01% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 4.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $2K | $2K | $3K | 7.25% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $688 | $3K | 11.38% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $372 | — | $372 | 5.28% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $330 | — | $330 | 4.69% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 90 | $926K |
| Dental | AETNA LIFE INSURANCE CO. | 162 | $46K |
| Vision | VISION SERVICE PLAN | 67 | $7K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $28K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $28K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $28K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 123 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.