| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $288 | $457 | $745 | 2.74% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $579 | — | $579 | 2.13% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $464 | $443 | $907 | 3.35% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $161 | $388 | $549 | 2.42% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $309 | — | $309 | 1.36% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $669 | — | $669 | 7.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $63 | $145 | $208 | 2.47% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 1.29% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS & CONSULTANT | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $214 | — | $214 | 7.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $19 | $47 | $66 | 2.45% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 1.37% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 108 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 41 | $8K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 108 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.