| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | UNITED HEALTHCARE INSURANCE COMPANY | $101K | — | $101K | 3.66% |
| HP PLANNING LLC3 | C/O CREATIVE BENEFIT PLANNING 1100 SUMMER STREET STAMFORD, CT 06905 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $8K | $51K | 14.24% |
| JEFFREY D TORELLO3 | 6 GAYLEA DRIVE BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.26% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 225 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $361K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $361K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $361K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $361K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $361K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.