| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENTWORTH DEANGELIS INC3 Filed as: WENTWORTH-DEANGELIS, INC | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITED HEALTHCARE | $14K | — | $14K | 3.00% |
| WDK BENEFITS, LLC3 | 20 BATERSON PARK ROAD FARMINGTON, CT 06032 | ANTHEM | $35K | $12K | $47K | 17.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | ANTHEM | — | $9K | $9K | 3.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CONTRACT ADMINSTRATOR | Other services; Claims processing Service code 12 | — | $79K |
| WDK BENEFITS, LLC EIN 87-3607979 BROKER | Other commissions Service code 55 | — | $34K |
| AMWINS EIN 94-2757978 BROKER | Other commissions Service code 55 | — | $8K |
| WENTWORTH DEANGELIS INC EIN 56-2475468 BROKER | Other commissions Service code 55 | — | $4K |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM | 226 | $262K |
| Vision | ANTHEM | 226 | $262K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE | 226 | $730K |
| Short-term disability | ANTHEM | 226 | $262K |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE | 226 | $730K |
| Other | UNITED HEALTHCARE | 181 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.