| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN EAGLE WEALTH LLC3 | PO BOX 399 KINGSTON, NJ 085280399 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | — | $68K | 8.04% |
| PETER AGNEW3 | 75 GLEN RIDGE PKWY GLEN RIDGE, NJ 070281809 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $26K | $6K | $32K | 6.64% |
| 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 | 4371 LATHAM ST #101 RIVERSIDE, CA 92501 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY (G0458) | $12K | $925 | $13K | 10.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 200 CROSSINGS BLVD STE 110 WARWICK, RI 028862872 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $631 | $3K | 4.92% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | 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% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FL NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $108 | $2K | 17.99% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 10 | $244K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 743 | $441K |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 436 | $229K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $1.0M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 98 | $9K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 494 | $482K |
| Other | FEDERAL INSURANCE COMPANY | 494 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.