| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK C SCHAEFFER Filed as: FREDERICK S SCHAEFFER JR | P.O. BOX 171368 MEMPHIS, TN 38187 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $27K | $40K | 1.70% |
| JOHN PHILLIPS IV | 795 RIDGELAKE BLVD MEMPHIS, TN 38120 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $9K | $13K | 0.53% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 0.23% |
| STRATEGIC FINANCIAL PARTNERS | P.O. BOX 171368 MEMPHIS, TN 38187 | RELIANCE STANDARD LIFE | $7K | — | $7K | — |
| FRENKEL BENEFITS LLC | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCE STANDARD LIFE | $4K | — | $4K | — |
| FRED SCHAEFFER | P.O. BOX 171368 MEMPHIS, TN 38187 | RELIANCE STANDARD LIFE | $3K | — | $3K | — |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 583 | $2.3M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 583 | $2.3M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 583 | $2.3M |
| Short-term disability | RELIANCE STANDARD LIFE | 0 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE | 0 | $0 |
| Other | RELIANCE STANDARD LIFE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.