| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $70K | — | $70K | 5.44% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $6K | $37K | 3.21% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET NEW YORK, NY 10014 | VISION SERVICE PLAN | $5K | — | $5K | 0.95% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO., INC. | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.49% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO., INC. | 350 HUDSON STREET NEW YORK, NY 10014 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| M.M.G. AGENCY INC.3 | 32 BROADWAY #1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 3,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 727 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $209K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $209K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,716 | $710K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,095 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,224 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,950 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,950 | — |
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.