| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $5K | $12K | 3.22% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.99% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AILSING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $4K | $9K | 2.51% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.99% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.41% |
| 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 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.62% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC - AISLING PARTNERS | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $278 | $3K | 16.59% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $231 | $231 | 1.32% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,530 | $86K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,055 | $368K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,055 | $386K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,055 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,530 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.