| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $0 | $17K | $17K | 1.06% |
| GLEN EAGLE ADVISORS LLC3 | 353 NASSAU ST STE D PRINCETON, NJ 085404623 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | — | $58K | 8.82% |
| PETER AGNEW3 | 100 SUNNYSIDE BLVD. STE A C/O HUB INTERNATIONAL WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.17% |
| PROGRESSIVE PLAN ADMINISTRATOR3 | 470 PARK AVENUE S 6TH FL NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $3K | $17K | 4.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $2K | $9K | 2.13% |
| EMERSON REID LLC3 | 401 BROADWAY STE. 912 NEW YORK, NY 10013 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.47% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK | $14K | — | $14K | 3.67% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE S 6TH FL NEW YORK, NY 10016 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY G0458 | $7K | — | $7K | 5.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HWY STE 210N HAUPPAUGE, NY 117883056 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 7.03% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 32 BROADWAY, SUITE 1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5 BRYANT PARK, 4TH FL NEW YORK, NY 10018 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 470 PARK AVE S FL 15S NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $269 | $5K | 12.56% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $1K | — | $1K | 4.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE S 6TH FL NEW YORK, NY 10016 | DELTA DENTAL OF NEW YORK, INC. | $109 | — | $109 | 0.41% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE S 6TH FL NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $101 | $1K | 18.10% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 856 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 716 | $400K |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 232 | $169K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 493 | $845K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 337 | $44K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 462 | $413K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 856 | $1.6M |
| Other | FEDERAL INSURANCE COMPANY | 493 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.