| 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 | $44K | $8K | $53K | 4.95% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | $4K | $38K | 7.89% |
| DOEREN MAYHEW INSURANCE GROUP3 | 305 W BIG BEAVER ROAD STE 102 TROY, MI 48084 | VISION SERVICE PLAN | $11K | — | $11K | 5.00% |
| FRENKEL BENEFITS LLC3 | 601 PLAZA 3 6TH FLOOR JERSEY CITY, NJ 07302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $1K | $8K | 4.94% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | ARMADACARE | $1K | — | $1K | 1.74% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $350 | $5K | 9.13% |
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 | 4,182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 6 | $76K |
| Dental | ARMADACARE | 6 | $76K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,598 | $295K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,182 | $478K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,710 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,944 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,182 | — |
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.