| 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 | NATIONWIDE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| STIRLING BENEFITS | 20 ARMORY LANE MILFORD, CT 064603347 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 7.76% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | ANTHEM HEALTH PLANS, INC. | $18K | — | $18K | 4.99% |
| STIRLING BENEFITS | 20 ARMORY LANE MILFORD, CT 064603347 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 6.04% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | MATRIX QUALITY CARE, INC. D/B/A ARAYA | — | $28K | $28K | 21.56% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD PO BOX 970 WESTBROOK, CT 064981568 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $59 | $2K | 4.55% |
| 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 | 10.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STIRLING BENEFITS, INC. EIN 06-0892635 | Claims processing Service code 12 | 20 ARMORY LANE MILFORD, CT 06460 | $47K |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $1.1M |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $1.1M |
| Vision(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $1.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 334 | $17K |
| Prescription drug | MATRIX QUALITY CARE, INC. D/B/A ARAYA | 361 | $128K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 243 | $523K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 486 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.