| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE CO | $42K | — | $42K | 0.37% |
| JOHN KAUFMAN3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE CO | $24K | — | $24K | 0.21% |
| JOHN KAUFMAN3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 6.26% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 4.70% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.57% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KROGER AVE STE 200 ST. PETERSBURY, FL 33702 | METLIFE LEGAL PLANS | $8K | — | $8K | 18.25% |
| JOHN KAUFMAN3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $3K | — | $3K | 7.09% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN | PO BOX 9201 BLDG 1 STE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $2K | $2K | 5.01% |
| WDK BENEFITS, LLC3 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $1K | — | $1K | 2.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN KAUFMAN | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 20 BATTERSON PARK ROAD FARMINGTON, CT 06032 | $0 |
| WDK BENEFITS, LLC EIN 87-3607979 | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees 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 | 1,155 | 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) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 1,646 | $11.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,646 | $11.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,646 | $11.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,096 | $479K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,096 | $479K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,096 | $479K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,096 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,646 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.