| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS | $3K | $1K | $4K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS, INC. | 323 WEST LAKESIDE AVE SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS | $2K | — | $2K | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANACE COMPANY | $7K | — | $7K | 7.56% |
| WENTWORTH DEANGELIS INC3 Filed as: WENTWORTH DEANGELIS, INC. | 20 BATTERSON PARK ROAD FARMINTON, CT 06032 | STANDARD INSURANACE COMPANY | $7K | — | $7K | 7.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 CONTRACT ADMINSTRATOR | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services Service code 12 | — | $246K |
| PROGRESSIVE BENEFIT SOLUTIONS EIN 56-2475468 | Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 14 BUSINESS PARK DRIVE BRANFORD, CT 06405 | $23K |
| GALLAGHER BENEFIT SERVICES, INC. | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 2 PIERCE PLACE ITASCA, IL 66143 | $0 |
| WDK BENEFITS, LLC | Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | $0 |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS | 316 | $1.1M |
| Life insurance | STANDARD INSURANACE COMPANY | 319 | $95K |
| Long-term disability | STANDARD INSURANACE COMPANY | 319 | $95K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS | 316 | $1.1M |
| Other | STANDARD INSURANACE COMPANY | 319 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.