| 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 | $37K | — | $37K | 1.99% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY STE 1936 NEW YORK, NY 10004 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $4K | — | $4K | 0.19% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $7K | — | $7K | 4.57% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $821 | $3K | 8.43% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $366 | $183 | $549 | 1.33% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $750 | $2K | 6.66% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $303 | $152 | $455 | 1.28% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $547 | $3K | 10.38% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $304 | $101 | $405 | 1.41% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $467 | $2K | 6.80% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE, BRETT & YOUNG, LLC | 70 ESSEX RD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $989 | — | $989 | 4.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $183 | $92 | $275 | 1.25% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC. | 70 ESSEX ROAD WESTBROOK, CT 06498 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.99% |
| MW FINANCIAL GROUP LTD3 Filed as: MW FINANCIAL GROUP, LTD | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.23% |
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 | 420 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 420 | $1.9M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 228 | $142K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $51K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $41K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 420 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.