| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $113K | $113K | 3.33% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $2K | $18K | 0.54% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 16.28% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$10 | $1K | $1K | 2.17% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 16.62% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.22% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.35% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $575 | $575 | 2.18% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 17.04% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $148 | $148 | 2.27% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $3.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 52 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $54K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.