| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $113K | — | $113K | 2.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100365811 | KAISER FOUNDATION HEALTH PLAN INC | $49K | $4K | $54K | 5.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $21K | — | $21K | 3.43% |
| KEYARX CAPITAL ADVISORS3 | 101 CRAWFORD CORNER RD SUITE 1300 HOLMDEL, NJ 07733 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $23K | — | $23K | 6.01% |
| CELLA, PAUL JOHN3 | 101 CRAWFORDS CORNER RD SUITE 1300 HOLMDEL, NJ 07733 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $9K | $9K | 2.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF NEW YORK | $13K | — | $13K | 5.00% |
| FRENKEL BENEFITS LLC3 Filed as: EPIC - FRENKEL BENEFITS | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | SIMNSA | $13K | — | $13K | 7.00% |
| CELLA, PAUL JOHN3 | 101 CRAWFORDS CORNER RD SUITE 1300 HOLMDEL, NJ 07733 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 11.86% |
| KEYARX CAPITAL ADVISORS3 | 101 CRAWFORDS CORNER RD SUITE 1300 HOLMDEL, NJ 07733 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $2K | $2K | 4.58% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO | $258 | — | $258 | 0.73% |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 341 | $5.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 608 | $444K |
| Vision | AETNA LIFE INSURANCE CO | 609 | $35K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 527 | $381K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 527 | $381K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 125 | $1.6M |
| Other(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 527 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.