| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | EASTER BENEFITS GROUP 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $483 | $2K | 10.09% |
| HP PANNING LLC DBA3 | AISLING PARTNERS 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 1.01% |
| EASTERN INSURANCE GROUP LLC3 | EASTERN BENEFITS GROUP 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $414 | $3K | 15.20% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA | AISLING PARTNERS 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $262 | — | $262 | 1.38% |
| EASTERN INSURANCE GROUP LLC3 | EASTERN BENEFITS GROUP 100 QUANNAPOWITT PARKWAY WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $764 | $166 | $930 | 12.15% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA | AISLING PARTNERS 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | — | $77 | 1.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $22K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $19K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.