| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | UNITED HEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 2.98% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 6.97% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 6.37% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.85% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | UNITED HEALTHCARE INSURANCE CO. | $3K | — | $3K | 10.00% |
| AON CONSULTING INC Filed as: AON RISK SERVICES NORTHEAST | 199 WATER STREET NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $731 | — | $731 | 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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 135 | $2.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 91 | $70K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 157 | $55K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 137 | $134K |
| Other | FEDERAL INSURANCE COMPANY | 157 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.