| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A. GORTZ3 | 350 BEDFORD STREET, SUITE 407 STAMFORD, CT 06901 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $277K | $277K | 1.53% |
| UNKNOWN3 | UNKNOWN ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $93K | $93K | 0.52% |
| DAVID A. GORTZ3 | 350 BEDFORD STREET, SUITE 407 STAMFORD, CT 06901 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62K | $17K | $79K | 8.35% |
| LOCKTON COMPANIES, LLC3 | 3 CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | DELTA DENTAL OF MISSOURI | $5K | $778 | $6K | 5.77% |
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 | 2,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,374 | $18.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 189 | $102K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,374 | $18.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,237 | $952K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,237 | $952K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,237 | $952K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,374 | $18.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,237 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,237 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.