| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP, INC. | 70 ESSEX ROAD WESTBROOK, CT 06498 | DELTA DENTAL INSURANCE CO. | $6K | — | $6K | 2.75% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.15% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC. | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $480 | $1K | $2K | 3.12% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 22.06% |
| KELLY, PETER, J3 | 11 HALF MOOD EXEC PK CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 22.06% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE BRETT & YOUNG LLC | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $511 | — | $511 | 9.17% |
| RISK STRATEGIES COMPANY3 Filed as: GOWRIE GROUP INC. | 70 ESSEX ROAD WESTBROOK, CT 06498 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46 | $115 | $161 | 2.89% |
| 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 |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 185 ASYLUM STREET HARTFORD, CT 06103 | $95K |
| GOWRIE GROUP INC EIN 06-1239436 BROKER | Other commissions Service code 55 | 70 ESSEX ROAD WESTBROOK, CT 06498 | $32K |
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 | 470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE CO. | 211 | $221K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $56K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $406K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.