| 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 | $45K | $7K | $52K | 7.76% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $3K | $30K | 9.07% |
| DOEREN MAYHEW INSURANCE GROUP3 | 305 W BIG BEAVER ROAD STE 102 TROY, MI 48084 | VISION SERVICE PLAN | $581 | — | $581 | 0.24% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $1K | $9K | 7.94% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $991 | $6K | 10.25% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $665 | — | $665 | 4.74% |
| SAMPERS, CHRISTOPHER R3 | STE 135 2250 SATELLITE BLVD DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $307 | — | $307 | 2.19% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.37% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 3.27% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS, CHRISTOPHER ROBERT | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.20% |
| SAMPERS, CHRISTOPHER R3 | STE 135 2250 SATELLITE BLVD DULUTH, GA 30097 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.52% |
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 | 3,003 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 10 | $58K |
| Dental | ARMADACARE | 10 | $58K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,120 | $305K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,130 | $335K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,911 | $672K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,363 | $173K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,130 | — |
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.