| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN STREET, STE 106 WEST HARTFORD, CT 06110 | CIGNA HEALTH & LIFE INSURANCE COMPANY MEDICAL | $30K | — | $30K | 8.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | CIGNA HEALTH & LIFE INSURANCE COMPANY MEDICAL | $28K | — | $28K | 8.01% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | 2677 N. MAIN STREET SANTA ANA, CA 92705 | CIGNA HEALTH & LIFE INSURANCE COMPANY MEDICAL | — | $25K | $25K | 6.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-DENTAL PPO | $5K | — | $5K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-DENTAL PPO | — | $3K | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-LTD | $2K | — | $2K | 9.94% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-LTD | — | $774 | $774 | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-SUPPLEMENTAL LIFE | $1K | — | $1K | 10.02% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-SUPPLEMENTAL LIFE | — | $686 | $686 | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-VISION | $1K | — | $1K | 10.10% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-VISION | — | $571 | $571 | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-STD | $708 | — | $708 | 9.76% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-STD | — | $354 | $354 | 4.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-BASIC LIFE | $344 | — | $344 | 9.97% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-BASIC LIFE | — | $172 | $172 | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-CRITICAL ILLNESS | $453 | — | $453 | 14.89% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-CRITICAL ILLNESS | — | $151 | $151 | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-ACCIDENT | $411 | — | $411 | 14.93% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-ACCIDENT | — | $137 | $137 | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC. | 433 SOUTH MAIN STREET, STE 106 WEST HARTFORD, CT 06110 | LEGAL PLANS, USA | — | $495 | $495 | 19.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-HOSPITAL INDEMNITY | $315 | — | $315 | 14.87% |
| AMWINS3 Filed as: AMWINS CONNECT INSUR. SERVICES, LLC | TWO ENTERPRISE DRIVE SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-HOSPITAL INDEMNITY | — | $105 | $105 | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. HEALTH PPO | $5K | — | $5K | — |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GRP. PLANS INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | ANTHEM HEALTH PLANS, INC. HEALTH PPO | — | $2K | $2K | — |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-DENTAL PPO | 88 | $51K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-VISION | 76 | $11K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-SUPPLEMENTAL LIFE | 149 | $17K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-STD | 42 | $10K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-LTD | 28 | $16K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA-CRITICAL ILLNESS | 11 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.