| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $127K | $57K | $183K | 1.99% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $6K | $13K | 4.17% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.06% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AILSING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $6K | $10K | 3.36% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.03% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.00% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.12% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.18% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.25% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $424 | $424 | 0.56% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $420 | $3K | 17.54% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $233 | $233 | 1.41% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $587 | $279 | $866 | 16.24% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $155 | $155 | 2.91% |
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 | 810 | 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) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,562 | $9.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,313 | $105K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 810 | $300K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 810 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 810 | $315K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 810 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,562 | — |
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."
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.