| 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. | $120K | — | $120K | 0.50% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $13K | — | $13K | 1.73% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10114 | HARTFORD LIFE AND ACCIDENT | $10K | $5K | $15K | 7.58% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $8K | — | $8K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $6K | — | $6K | 4.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TRANSAMERICA INSURANCE CO. | $492 | — | $492 | 5.50% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $393 | — | $393 | 4.39% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HEARTLAND FIDELITY INSURANCE COMPANY | $458 | — | $458 | 6.96% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODSBURY, NY 11797 | HEARTLAND FIDELITY INSURANCE COMPANY | $221 | — | $221 | 3.36% |
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 | 1,765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OXFORD HEALTH INSURANCE INC. | 2,534 | $24.0M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC. | 1,345 | $901K |
| Vision | VISION SERVICE PLAN | 1,104 | $133K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,823 | $204K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,823 | $204K |
| Prescription drug | HEARTLAND FIDELITY INSURANCE COMPANY | 3 | $7K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,823 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,534 | — |
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 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.