| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 9.91% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 8.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 3.35% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 433 SOUTH MAIN STREET SUITE 106 WEST HARTFORD, CT 06110 | ANTHEM HEALTH PLANS, INC. | $8K | $3K | $11K | 9.23% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | ANTHEM HEALTH PLANS, INC. | — | $7K | $7K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 4.20% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 433 SOUTH MAIN STREET SUITE 106 WEST HARTFORD, CT 06110 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 16.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.40% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 6.35% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 433 SOUTH MAIN STREET SUITE 106 WEST HARTFORD, CT 06110 | ANTHEM LIFE INSURANCE COMPANY | $932 | — | $932 | 7.30% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | ANTHEM LIFE INSURANCE COMPANY | — | $311 | $311 | 2.44% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS, INC. | 178 | $122K |
| Vision | ANTHEM HEALTH PLANS, INC. | 178 | $122K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 221 | $53K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 221 | $53K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 221 | $53K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $595K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 221 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.