| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | $0 | $741 | $741 | 0.13% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD, SUITE 120 FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $569 | $0 | $569 | 0.10% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN STREET, SUITE 106 WEST HARTFORD, CT 06110 | DELTA DENTAL OF CONNECTICUT, INC. | $8K | $0 | $8K | 5.11% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | TWO ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | DELTA DENTAL OF CONNECTICUT, INC. | $8K | $0 | $8K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 FELLOWSHIP ROAD MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF CONNECTICUT, INC. | $8K | $0 | $8K | 4.88% |
No Schedule C service providers reported on this filing.
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 476 | $162K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 476 | $162K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $550K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 0 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.