| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK RD. FARMINGTON, CT 06032 | ANTHEM BLUE CROSS AND BLUE SHIELD | $11K | $13K | $24K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVE STE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS AND BLUE SHIELD | $6K | — | $6K | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES. INC | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $135K | — | $135K | 4.60% |
| WDK BENEFITS, LLC3 | 433 SOUTH MAIN ST WEST HARTFORD, CT 06110 | ANTHEM LIFE INSURANCE CO. | $125K | — | $125K | 12.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES. INC | PO BOX 95287 CHICAGO, IL 60694 | ANTHEM LIFE INSURANCE CO. | $38K | — | $38K | 3.75% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 12.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES. INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 CONTRACT ADMINISTRATOR | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $156K |
| GALLAGHER BENEFIT SERVICES, INC. | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 2 PIERCE PLACE ITASCA, IL 60143 | $11K |
| WDK BENEFITS, LLC EIN 87-3607979 | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 20 BATTERSON PARK RD FARMINGTON, CT 06032 | $0 |
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 | 2,368 | 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) | 2,368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 261 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 467 | $116K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,424 | $5.4M |
| Life insurance | ANTHEM LIFE INSURANCE CO. | 1,675 | $1.0M |
| Short-term disability | ANTHEM LIFE INSURANCE CO. | 1,675 | $1.0M |
| Long-term disability | ANTHEM LIFE INSURANCE CO. | 1,675 | $1.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,424 | $5.4M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,424 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,424 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.