| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN ST WEST HARTFORD, CT 06110 | ANTHEM | $10K | — | $10K | 6.52% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | ANTHEM | — | $7K | $7K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SSERVICES, INC. | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | ANTHEM | $7K | — | $7K | 4.61% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN ST WEST HARTFORD, CT 06110 | EQUITABLE | $8K | — | $8K | 5.62% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | TWO ENTERPRISE DRIVE STE 204 SHELTON, CT 06848 | EQUITABLE | — | $7K | $7K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | EQUITABLE | $7K | — | $7K | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CONTRACT ADMINSTRATOR | Other services; Claims processing Service code 12 | — | $72K |
| WDK BENEFITS, LLC EIN 87-3607979 BROKER | Other commissions Service code 55 | — | $49K |
| AMWINS EIN 94-2757978 BROKER | Other commissions Service code 55 | 2 ENTERPRISE DR, STE 204 SHELTON, CT 064844657 | $740 |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM | 179 | $160K |
| Vision | ANTHEM | 179 | $160K |
| Life insurance | EQUITABLE | 220 | $142K |
| Short-term disability | EQUITABLE | 220 | $142K |
| Long-term disability | EQUITABLE | 220 | $142K |
| Other | EQUITABLE | 220 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.