| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75K | — | $75K | 15.51% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 9.66% |
| JOHN KAUFMAN3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$39 | — | -$39 | -0.01% |
| JOHN KAUFMAN3 Filed as: JOHN MITCHELL KAUFMAN | 31 HATHEWAY DRIVE WEST HARTFORD, CT 06107 | GUARDIAN | $8K | $1K | $9K | 7.71% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | GUARDIAN | $6K | — | $6K | 5.00% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK ROAD SUITE 120 FARMINGTON, CT 06032 | GUARDIAN | $5K | — | $5K | 3.88% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.12% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.15% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUTAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | — |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $543 | — | $543 | — |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $272 | $272 | — |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 166 | $118K |
| Vision | GUARDIAN | 166 | $118K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $33K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $482K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.