| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC. | 70 ESSEX ROAD WESTBROOK, CT 06498 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $20K | — | $20K | 3.70% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $856 | $4K | 18.54% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $421 | $2K | 12.37% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG | 70 ESSEX RD WESTBROOK, CT 06498 | VISION SERVICE PLAN | $838 | — | $838 | 6.73% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 138 | $537K |
| Vision | VISION SERVICE PLAN | 123 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $42K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.