| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 1100 SUMMER STREET FLOOR 2 STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.25% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01904 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $926 | $926 | 1.15% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 1100 SUMMER STREET FLOOR 2 STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $915 | $5K | 11.70% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01904 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $508 | $508 | 1.17% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 1100 SUMMER STREET FLOOR 2 STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $566 | $108 | $674 | 11.91% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $60 | $60 | 1.06% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INS SERVICES LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $317 | — | $317 | 6.99% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $248 | $248 | 5.47% |
| MAS FNCL SVCS INS AGCY INC3 | PO BOX 287 MILLBURY, MA 01527 | HARTFORD LIFE AND ACCIDENT | $227 | — | $227 | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $562 | — | $562 | 14.99% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 1100 SUMMER STREET FLOOR 2 STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $411 | $82 | $493 | 13.21% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01904 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $45 | $45 | 1.21% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 1100 SUMMER STREET FLOOR 2 STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27 | $3 | $30 | 16.67% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01904 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1 | $1 | 0.56% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 148 | $32K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 223 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $43K |
| Other(6 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
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.