| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | DELTA DENTAL INSURANCE CO. | $13K | — | $13K | 5.61% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.15% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.80% |
| KELLY, PETER, J3 Filed as: KELLY, PETER J | 11 HALFMOON EXEC PK CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.80% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $496 | $159 | $655 | 13.20% |
| UNITED OF OMAHA LIFE INSURANCE CO Filed as: UNITED OF OMAHA LIFE INSURANCE | 3300 MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS INC EIN 06-1475928 | Float revenue; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 370 BASSETT ROAD NORTH HAVEN, CT 06473 | $254K |
| GOWRIE BRETT & YOUNG LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $24K |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE CO. | 231 | $230K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 268 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $57K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS INC | 497 | $326K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.