| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD, SUITE 120 FARMINGTON, CT 06032 | ANTHEM LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | ANTHEM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | ANTHEM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.76% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SANTA MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | $1K | $8K | $9K | 3.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS, INC. | $17K | $0 | $17K | 7.50% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN STREET, SUITE 106 WEST HARTFORD, CT 06110 | ANTHEM HEALTH PLANS, INC. | $9K | $6K | $15K | 6.48% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | ANTHEM HEALTH PLANS, INC. | $0 | $9K | $9K | 3.77% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS, INC. | 477 | $229K |
| Vision | ANTHEM HEALTH PLANS, INC. | 477 | $229K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 339 | $230K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 339 | $230K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 339 | $230K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 477 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.