| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS | $78K | $25K | $104K | 1.88% |
| GREGORY B JOHNSON3 Filed as: GREGORY B. JOHNSON | UNKNOWN ACTON, MA 01720 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS | $20K | $0 | $20K | 0.35% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $27K | $0 | $27K | 5.79% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | AMERICAN FIDELITY ASSURANCE COMPANY | $25K | $0 | $25K | 5.27% |
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 0.93% |
| MSADA3 | UNKNOWN BOSTON, MA 02109 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $2K | $2K | 0.36% |
| GIARRATANA JR, ESTATE OF JOHN V3 | 222 CAPE POINTE CIRCLE JUPITER, FL 33477 | AMERICAN FIDELITY ASSURANCE COMPANY | $159 | $0 | $159 | 0.03% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $226 | $3K | 16.65% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS | 761 | $6.0M |
| Dental | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS | 761 | $5.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $18K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 36 | $467K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 36 | $467K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS | 761 | $5.5M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 36 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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.