| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENTWORTH DEANGELIS INC3 Filed as: WENTWORTH DEANGELIS, INC. | 74 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED HEALTHCARE | $79K | — | $79K | 3.96% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN ST WEST HARTFORD, CT 06110 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 8.48% |
| AMWINS3 Filed as: AWINS CONNECT INSURNACE | TWO ENTERPRISE DRIVE STE 204 SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 4.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOW, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.79% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | DELTA DENTAL OF CONNECTICUT | $7K | — | $7K | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 FELLOWSHIP RD MT LAUREL, NJ 08054 | DELTA DENTAL OF CONNECTICUT | $5K | — | $5K | 4.16% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE | $1K | — | $1K | 7.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $638 | — | $638 | 3.74% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 340 | $2.0M |
| Dental | DELTA DENTAL OF CONNECTICUT | 223 | $121K |
| Vision | EYEMED VISION CARE | 320 | $17K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 395 | $141K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 395 | $141K |
| Prescription drug | UNITED HEALTHCARE | 340 | $2.0M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 395 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.