| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS, INC. | $600 | — | $600 | 0.07% |
| UNITED OF OMAHA LIFE INSURANCE CO Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $34K | $34K | 8.60% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $7K | $23K | 5.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 VARIOUS SERVICES | Other fees; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $1.7M |
| GOWRIE GROUP INC. INSURANCE AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 70 ESSEX ROAD WESTBROOK, CT 06498 | $52K |
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 | 1,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 1,054 | $804K |
| Vision | ANTHEM HEALTH PLANS, INC. | 1,054 | $804K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,038 | $393K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,038 | $393K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 1,054 | $804K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,038 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.