| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENTWORTH DEANGELIS INC3 | 74 BATTERSON PARK RD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | — | $62K | 4.14% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.31% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK RD STE 120 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.58% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK RD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 8.72% |
| AMWINS3 Filed as: AWINS GROUP BENEFITS INC | 1 ENTERPRISE DR STE 210 SHELTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.91% |
| AMWINS3 Filed as: AWINS GROUP BENEFITS INC | 1 ENTERPRISE DR STE 210 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK RD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AMWINS3 Filed as: AWINS GROUP BENEFITS INC | 1 ENTERPRISE DR STE 210 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK RD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $88K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 77 | $30K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.