| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | — | $18K | $18K | 1.43% |
| GLEN EAGLE WEALTH LLC3 | PO BOX 399 KINGSTON, NJ 085280399 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | — | $66K | 8.76% |
| 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 ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $27K | $3K | $30K | 6.73% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FL NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK | $16K | — | $16K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | $6K | — | $6K | 6.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 4371 LATHAM ST #101 RIVERSIDE, CA 92501 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | $4K | — | $4K | 3.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HWY STE 210N HAUPPAUGE, NY 117883056 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $10K | 14.94% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | 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% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FL NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $70 | $2K | 21.89% |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 901 | $1.5M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 756 | $428K |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 409 | $222K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $923K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 376 | $72K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 460 | $446K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 901 | $1.3M |
| Other | FEDERAL INSURANCE COMPANY | 497 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.