| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 2.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 945240668 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945204500 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $712 | $4K | 4.63% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST FLOOR 4 NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $434 | $606 | $1K | 1.35% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $981 | $3K | 11.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSRUANCE CENTER | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 100144504 | VISION SERVICE PLAN | $866 | — | $866 | 4.20% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | VISION SERVICE PLAN | $181 | — | $181 | 0.88% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $659 | $3K | 17.98% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $850 | $414 | $1K | 22.31% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $424 | $115 | $539 | 15.25% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON ST. 4TH FLOOR NEW YORK, NY 10014 | LIFE INSUANCE COMPANY OF NORTH AMERICA | $174 | $94 | $268 | 15.39% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29 | $42 | $71 | 36.60% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $77K |
| Vision | VISION SERVICE PLAN | 141 | $21K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $36K |
| Short-term disability | LIFE INSUANCE COMPANY OF NORTH AMERICA | 16 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $18K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.