| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $102K | — | $102K | 3.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CLAIFORNAI STREET 24TH FLOOR SAN FRANCISCO, CA 94101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.44% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $67 | $67 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $12 | $12 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD CONCORD, CA 94520 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.82% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET FLOOR 4 NEW YORK, NY 10014 | PRINCIPAL LIFE INSURANCE COMPANY | $501 | — | $501 | 2.12% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 401 | $2.7M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 401 | $2.7M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $123K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $123K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $123K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 335 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.