| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | OXFORD HEALTH INSURANCE, INC. | $85K | — | $85K | 0.33% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | OXFORD HEALTH INSURANCE, INC. | $42K | — | $42K | 0.16% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $16K | — | $16K | 2.19% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK, INC. | $6K | — | $6K | 0.81% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $6K | — | $6K | 3.64% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK, INC. | $2K | — | $2K | 1.36% |
| LETERMAN GORTZ CORP3 | 350 BEDFORD STREET SUITE 407 STAMFORD, CT 06901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $2K | $7K | 5.12% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 1.32% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $5K | — | $5K | 3.69% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FOOR NEW YORK, NY 10004 | VISION SERVICE PLAN | $2K | — | $2K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.01% |
| LETERMAN GORTZ CORP3 | 350 BEDFORD STREET SUITE 407 STAMFORD, CT 06901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $697 | $2K | 5.38% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $531 | — | $531 | 1.22% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TRANSAMERICA INSURANCE CO. | $547 | — | $547 | 5.50% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $437 | — | $437 | 4.39% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HEARTLAND FIDELITY INSURANCE COMPANY | $684 | — | $684 | 8.95% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODSBURY, NY 11797 | HEARTLAND FIDELITY INSURANCE COMPANY | $234 | — | $234 | 3.06% |
| LETERMAN GORTZ CORP3 | 350 BEDFORD STREET SUITE 407 STAMFORD, CT 06901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $17 | $7 | $24 | 5.24% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5 | — | $5 | 1.09% |
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 | 1,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OXFORD HEALTH INSURANCE, INC. | 2,640 | $25.8M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC. | 1,431 | $918K |
| Vision | VISION SERVICE PLAN | 1,039 | $129K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,351 | $44K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,809 | $139K |
| Prescription drug | HEARTLAND FIDELITY INSURANCE COMPANY | 3 | $8K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 46 | $458 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,640 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.