| 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 | $38K | — | $38K | 2.66% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $7K | — | $7K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC. | 70 ESSEX RD WESTBROOK, CT 06498 | VISION SERVICE PLAN | $1K | — | $1K | 5.59% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 14.60% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | COMPANION LIFE INSURANCE COMPANY | $598 | — | $598 | 14.99% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | MUTUAL OF OMAHA INSURANCE COMPANY | $195 | — | $195 | 9.99% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 064981568 | MUTUAL OF OMAHA INSURANCE COMPANY | $79 | — | $79 | 15.05% |
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 | 387 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 387 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 212 | $138K |
| Vision | VISION SERVICE PLAN | 176 | $19K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $61K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 118 | $16K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.