| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $0 | $64K | 13.48% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | UNKNOWN HARTFORD, CT 06114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $31K | $31K | 6.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.92% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 21.28% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 1 ENTERPRISE DRIVE, SUITE 210 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.18% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.91% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN STREET, SUITE 106 WEST HARTFORD, OH 06110 | ANTHEM HEALTH PLANS, INC. | $2K | $2K | $3K | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. | $1K | $0 | $1K | 2.45% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $473K |
| Dental | ANTHEM HEALTH PLANS, INC. | 209 | $59K |
| Vision | ANTHEM HEALTH PLANS, INC. | 209 | $59K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $61K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $61K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $61K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.