| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $90K | — | $90K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | FKA SLIA PO BOX 9465 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $45K | — | $45K | 2.14% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR HARBORSIDE FINANCIAL CENTER JERSEY CITY, NJ 07311 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $22K | $1K | $23K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $14K | — | $14K | 3.93% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 HARBORSIDE FINANCIAL CENTER JERSEY CITY, NJ 07311 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $430 | $8K | 6.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 3.97% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 HARBORSIDE FINANCIAL CENTER JERSEY CITY, NJ 07311 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $833 | $48 | $881 | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 9465 NEW YORK, NY 10087 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $653 | — | $653 | 4.42% |
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 | 508 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,797 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,797 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,797 | $2.1M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 508 | $362K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 22 | $15K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 512 | $126K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,797 | $2.1M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,797 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,797 | — |
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.