| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $789 | $477 | $1K | 5.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $271 | $0 | $271 | 1.28% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $667 | $400 | $1K | 5.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $227 | $0 | $227 | 1.27% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $599 | $361 | $960 | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207 | — | $207 | 1.28% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EYEMED | $1K | $0 | $1K | 12.22% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | EYEMED | $267 | $0 | $267 | 2.71% |
| FRENKEL BENEFITS LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 38.74% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $889 | $124 | $1K | 13.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | $0 | $250 | 3.29% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69 | $11 | $80 | 14.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11 | $0 | $11 | 2.04% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 184 | $56K |
| Vision | EYEMED | 152 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $16K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 98 | $213K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.