| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $37K | $4K | $40K | 7.50% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $2K | $25K | 8.44% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $646 | $7K | 7.36% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | -$47 | $2K | 4.00% |
| SAMPERS, CHRISTOPHER R3 | STE 135 2250 SATELLITE BLVD DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | -$20 | $982 | 1.85% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | -$2 | $168 | 0.32% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 14.79% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$5 | -$5 | -0.10% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$43 | — | -$43 | -0.87% |
| SAMPERS, CHRISTOPHER R3 | STE 135 2250 SATELLITE BLVD DULUTH, GA 30097 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$53 | — | -$53 | -1.07% |
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 | 2,980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 29 | $58K |
| Dental | ARMADACARE | 29 | $58K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,039 | $278K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,985 | $297K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,747 | $538K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,314 | $138K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,985 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.