| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $0 | $18K | $18K | 1.57% |
| GLEN EAGLE WEALTH LLC3 | PO BOX 399 KINGSTON, NJ 085280399 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | — | $61K | 8.65% |
| PETER AGNEW3 | 100 SUNNYSIDE BLVD. STE A C/O HUB INTERNATIONAL WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK | $15K | — | $15K | 4.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | $5K | $27K | 7.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $387 | $2K | 0.60% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY G0458 | $14K | $6K | $20K | 18.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HWY STE 210N HAUPPAUGE, NY 117883056 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $4K | $7K | 10.14% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 32 BROADWAY, SUITE 1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5 BRYANT PARK, 4TH FL NEW YORK, NY 10018 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $122 | $2K | 7.08% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $933 | $105 | $1K | 3.19% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $2K | — | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $674 | $28 | $702 | 9.47% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $337 | $23 | $360 | 4.85% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $187 | $187 | 2.52% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 900 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 717 | $406K |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 343 | $201K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $882K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 349 | $40K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 487 | $376K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 900 | $1.1M |
| Other | FEDERAL INSURANCE COMPANY | 491 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.