| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STIRLING BENEFITS | 291 S. LAMBERT RD, SUITE 4 ORANGE, CT 06477 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 5.66% |
| STIRLING BENEFITS | 291 S. LAMBERT RD, SUITE 4 ORANGE, CT 06477 | NATIONWIDE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD WESTBROOK, CT 064981568 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 4.45% |
| STIRLING BENEFITS | 291 S. LAMBERT RD, SUITE 4 ORANGE, CT 06477 | MATRIX QUALITY CARE, INC. D/B/A ARAYA | — | $27K | $27K | 10.38% |
| STIRLING BENEFITS | 291 S. LAMBERT RD, SUITE 4 ORANGE, CT 06477 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD WESTBROOK, CT 064981568 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STIRLING BENEFITS, INC. EIN 06-0892635 | Claims processing Service code 12 | 291 S. LAMBERT RD, SUITE 4 ORANGE, CT 06477 | $57K |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $1.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $1.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $21K |
| Prescription drug | MATRIX QUALITY CARE, INC. D/B/A ARAYA | 250 | $262K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 254 | $607K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 501 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.