| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $170K | — | $170K | 16.10% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $609 | $609 | 0.06% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $102 | $102 | 0.01% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 4.21% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $201 | $1K | 0.14% |
| FRENKEL BENEFITS LLC7 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $20K | $55K | 7.00% |
| FRENKEL BENEFITS LLC7 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $32K | $5K | $37K | 6.58% |
| FRENKEL BENEFITS LLC7 | 350 HUDSON ST 4TH FL NEW YORK, NY 10014 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $8K | $43K | 11.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $3K | $28K | 9.45% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FL 4 NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 2.45% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.08% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.15% |
| BRUCE R PETRIE | 2626 REDINGTON ROAD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| THOMAS M FALVEY | 1146 BRADFORD DR. POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $281 | — | $281 | 5.34% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $272 | — | $272 | 5.17% |
| BRUCE R PETRIE | 2626 REDINGOTN RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $272 | — | $272 | 5.17% |
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 | 3,460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $537K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $537K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $537K |
| Life insurance(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,427 | $2.1M |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,362 | $786K |
| Other(10 contracts, 9 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,500 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,500 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.