| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 4.89% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.45% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $754 | $5K | 10.35% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $628 | $628 | 1.43% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $726 | $104 | $830 | 11.43% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $86 | $86 | 1.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | ZURICH AMERICAN INSURANCE COMPANY | $670 | — | $670 | 15.01% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE #502 NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $408 | $63 | $471 | 12.71% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $53 | $53 | 1.43% |
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 | 256 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $83K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 234 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $44K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.