| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL & CO., INC. | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 4.54% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK | $10K | — | $10K | 5.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $6K | $13K | 16.61% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $2K | — | $2K | 4.34% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 38 | $217K |
| Dental | DELTA DENTAL OF NEW YORK | 328 | $197K |
| Vision | VISION SERVICE PLAN | 170 | $35K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $79K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $79K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $79K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.