| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | ANTHEM HEALTH PLANS INC | — | $456 | $456 | 0.12% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | DELTA DENTAL INSURANCE CO. | $7K | — | $7K | 3.05% |
| RISK STRATEGIES COMPANY Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NJ 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.09% |
| KELLY, PETER, J3 | 11 HALF MOOD EXEC PK CLIFTON PARK, NJ 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.09% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $479 | — | $479 | 10.00% |
| 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 | — |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 064981568 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $197 | $197 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS INC EIN 06-1475928 | Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue Service code 12 | 370 BASSETT ROAD NORTH HAVEN, CT 06473 | $228K |
| GOWRIE BRETT & YOUNG LLC EIN 06-1475928 | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 70 ESSEX ROAD WESTBROOK, CT 06498 | $0 |
| GOWRIE GROUP INC EIN 06-1475928 | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 70 ESSEX ROAD WESTBROOK, CT 06498 | $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 | 452 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE CO. | 224 | $236K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $58K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS INC | 452 | $369K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
No prospect flags tripped on this filing.