| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | HEALTH NEW ENGLAND, INC. | $66K | — | $66K | 2.98% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | C/O CREATIVE BENEFIT PLANNING 1100 SUMMER STREET STAMFORD, CT 06905 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 12.68% |
| ROBERT C. HOUGHTON3 Filed as: ROBERT C HOUGHTON | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.32% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 18.39% |
| ROBERT C. HOUGHTON3 Filed as: ROBERT C HOUGHTON | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $837 | — | $837 | 1.61% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 20.64% |
| ROBERT C. HOUGHTON3 Filed as: ROBERT C HOUGHTON | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $714 | — | $714 | 1.60% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $808 | — | $808 | 12.75% |
| ROBERT C. HOUGHTON3 Filed as: ROBERT C HOUGHTON | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 2.24% |
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 | 286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND, INC. | 222 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $145K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $52K |
| Prescription drug | HEALTH NEW ENGLAND, INC. | 222 | $2.2M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.