| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 4.26% |
| ZENITH AMERICAN SOLUTIONS3 Filed as: ZENITH AMERICAN SOLUTIONS INC. | 10 TECHNOLOGY DRIVE WALLINGFORD, CT 06492 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS INC. EIN 06-1475928 | Other services Service code 49 | 1351 WM HOWARD TAFT ROAD CINCINNATI, OH 452061721 | $91K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 06-0811449 | Claims processing Service code 12 | 10 TECHNOLOGY DRIVE WALLINGFORD, CT 06492 | $43K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Insurance services Service code 23 | 70 ESSEX ROAD WESTBROOK, CT 064981568 | $43K |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $820K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $820K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $820K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $14K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.