| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | GUARDIAN | $4K | $3K | $7K | 15.62% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | GUARDIAN | $488 | — | $488 | 1.09% |
| NEW YORK ROSBRUCH AND HARNIK3 Filed as: NEW YORK ROSBRUCH AND HARNIK INC | 800 WESTCHESTER AVE,4TH FL STE N409 RYE BROOK, NY 10573 | GUARDIAN | $85 | — | $85 | 0.19% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | GUARDIAN | $2K | — | $2K | 14.41% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | GUARDIAN | $150 | — | $150 | 1.12% |
| NEW YORK ROSBRUCH AND HARNIK3 Filed as: NEW YORK ROSBRUCH AND HARNIK INC | 800 WESTCHESTER AVE,4TH FL STE N409 RYE BROOK, NY 10573 | GUARDIAN | $39 | — | $39 | 0.29% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN | 102 | $45K |
| Short-term disability(2 contracts) | GUARDIAN | 102 | $58K |
| Other | GUARDIAN | 102 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.