| 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 | $10K | — | $10K | 0.76% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX ROAD ESSEX ROAD, CT 06498 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $6K | — | $6K | 0.49% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUG, LLC | 70 ESSEX RD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $4K | — | $4K | 3.92% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $1K | — | $1K | 1.08% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $785 | $4K | 18.47% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $578 | $3K | 12.95% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG | 70 ESSEX RD WESTBROOK, CT 06498 | VISION SERVICE PLAN | $525 | — | $525 | 3.20% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC. | 70 ESSEX RD WESTBROOK, CT 06498 | VISION SERVICE PLAN | $453 | — | $453 | 2.76% |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 353 | $1.3M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 196 | $110K |
| Vision | VISION SERVICE PLAN | 160 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $42K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.