| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY Filed as: GOWRIE, BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS, INC. | $6K | — | $6K | 0.68% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 5.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 VARIOUS SERVICES | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Contract Administrator Service code 12 | — | $1.8M |
| GOWRIE BRETT & YOUNG LLC INSURANCE AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 70 ESSEX ROAD WESTBROOK, CT 06498 | $69K |
| AETNA LIFE INS. CO. EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $35K |
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 | 980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 0 | $919K |
| Vision | ANTHEM HEALTH PLANS, INC. | 0 | $919K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 994 | $496K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 994 | $496K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 994 | $496K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 0 | $919K |
| Other | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 994 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 994 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.