| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRACTE ADVISORY GROUP LLC3 | 14 BUSINESS PARK DRIVE BRANFORD, CT 06405 | ANTHEM LIFE INSURANCE COMPANY | $70K | $36K | $106K | 7.22% |
| ENTRACTE ADVISORY GROUP LLC3 | 14 BUSINESS PARK DR #8 BRANFORD, CT 06405 | HARTFORD LIFE AND ACCIDENT | $3K | $9K | $12K | 18.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $2.8M |
| INGENIORX, INC. EIN 82-3062245 | Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $12K |
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 | 5,225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,690 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 5,690 | $1.5M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 9,458 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,458 | — |
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.