| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO | $52K | — | $52K | 2.29% |
| MOYER GROUP | 35 EAST 75TH STREET NEW YORK, NY 10021 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 0.23% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 6.50% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO | $2K | — | $2K | 3.26% |
| HENRY MOYER Filed as: HENRY MOYER, JR. | 35 EAST 75TH STREET NEW YORK, NY 10021 | AETNA LIFE INSURANCE CO | $225 | — | $225 | 0.30% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| AON CONSULTING INC Filed as: AON RISK SERVICES NORTHEAST, INC. | 199 WATER STREET NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $821 | — | $821 | 15.00% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO | 137 | $4.6M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO | 163 | $149K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 163 | $65K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 153 | $149K |
| Other | FEDERAL INSURANCE COMPANY | 163 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.