| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $108K | — | $108K | 2.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $39K | $39K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $18K | — | $18K | 3.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF NEW YORK | $13K | — | $13K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 350 HUDSON STREET NEW YORK, NY 10014 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 14.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | PO BOX 102159 PASADENA, CA 911892159 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 6.73% |
| FRENKEL BENEFITS LLC3 Filed as: EPIC - FRENKEL BENEFITS | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | SIMNSA | $15K | — | $15K | 7.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $3K | $1K | $5K | 14.14% |
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 | 485 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 357 | $5.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 637 | $478K |
| Vision | AETNA LIFE INSURANCE CO. | 627 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 619 | $263K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $263K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 619 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.