| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $7K | $32K | $39K | 0.57% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.14% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1740 BROADWAY 5TH FLOOR NEW YORK, NY 10019 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 12.52% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $126 | $126 | 0.06% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED | $4K | — | $4K | 20.86% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 12.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $432 | — | $432 | 2.63% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $938 | — | $938 | 7.37% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $938 | — | $938 | 7.37% |
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 | 389 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 899 | $6.8M |
| Dental | AETNA LIFE INSURANCE CO. | 899 | $6.8M |
| Vision | EYEMED | 801 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 389 | $221K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 389 | $238K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 53 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.