| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC Filed as: RSC INSURANCE BROKERAGE, INC. | — | ALLWAYS HEALTH PARTNERS | $37K | — | $37K | 2.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. FL 2 BOSTON, MA 021101700 | ALTUS DENTAL INSURANCE COMPANY, INC. | $3K | — | $3K | 6.40% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP | — | HRC TOTAL SOLUTIONS | — | $2K | $2K | 4.17% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $329 | $4K | 13.49% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $274 | $274 | 0.99% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $378 | $2K | 9.24% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $315 | $315 | 1.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. FL 2 BOSTON, MA 021101700 | ALTUS DENTAL INSURANCE COMPANY, INC. | $973 | — | $973 | 6.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST. FL 2 BOSTON, MA 021101700 | VISION SERVICE PLAN | $770 | — | $770 | 7.29% |
| RISK STRATEGIES COMPANY3 | 15 PACELLA PARK DRIVE, SUITE 130 RANDOLPH, MA 02368 | ZURICH AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
No Schedule C service providers reported on this filing.
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | ALTUS DENTAL INSURANCE COMPANY, INC. | 80 | $63K |
| Vision | VISION SERVICE PLAN | 53 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $28K |
| Other(5 contracts, 4 carriers) | HRC TOTAL SOLUTIONS | 135 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.