| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STIRLING BENEFITS Filed as: STIRLING BENEFITS, INC. | 20 ARMORY LANE MILFORD, CT 06460 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| STIRLING BENEFITS Filed as: STIRLING BENEFITS, INC. | 20 ARMORY LANE MILFORD, CT 06460 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 7.40% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | ANTHEM HEALTH PLANS, INC. | — | — | $0 | 0.00% |
| STIRLING BENEFITS Filed as: STIRLING BENEFITS, INC. | 20 ARMORY LANE MILFORD, CT 06460 | MATRIX QUALITY CARE, INC. D/B/A ARAYA | — | $22K | $22K | 22.38% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $1K | — | $1K | 5.00% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.88% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $563 | — | $563 | 5.00% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $331 | — | $331 | 14.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STIRLING BENEFITS, INC. EIN 06-0892635 | Claims processing Service code 12 | 20 ARMORY LANE MILFORD, CT 06460 | $76K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $529K |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $557K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $529K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $17K |
| Prescription drug | MATRIX QUALITY CARE, INC. D/B/A ARAYA | 388 | $99K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 236 | $402K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 465 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.