| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET FLOOR 4 NEW YORK, NY 100144500 | UNITEDHEALTHCARE INSURANCE COMPANY | $78K | $3K | $82K | 4.18% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NJ, INC. | $6K | — | $6K | 4.54% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $812 | $5K | 11.94% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 8.20% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $569 | $4K | 11.74% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $2.0M |
| Dental | DELTA DENTAL OF NJ, INC. | 169 | $133K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $42K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $33K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 183 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.