| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6330 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $67K | $67K | 3.19% |
| WDK BENEFITS, LLC3 | 433 S. MAIN STREET STE 106 WEST HARTFORD, CT 06110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $23K | $23K | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. | $8K | — | $8K | 5.04% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN STREET STE 106 WEST HARTFORD, CT 06110 | ANTHEM HEALTH PLANS, INC. | $662 | — | $662 | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 433 SOUTH MAIN STREET WEST HARTFORD, CT 06110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $935 | $4K | 8.58% |
| WENTWORTH DEANGELIS INC3 Filed as: WENTWORTH, DEANGELIS & KAUFMAN | 74 BATTERSON PARK RD. FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $414 | — | $414 | 2.18% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 145 | $2.1M |
| Dental | ANTHEM HEALTH PLANS, INC. | 330 | $153K |
| Vision | ANTHEM HEALTH PLANS, INC. | 330 | $153K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $19K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.