| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 383 MAIN AVE STE 408 SUITE 502 NORWALK, CT 068511543 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 2.20% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 1.08% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 8.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 301 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.89% |
| HP PLANNING LLC3 | 4 CENTURY DRIVE SUITE 360 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $987 | $987 | 3.33% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC | $8K | $0 | $8K | 55.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 110 PITTSBURGH, PA 15220 | ANTHEM HEALTH PLANS, INC | $0 | $165 | $165 | 1.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS, INC | -$4 | $0 | -$4 | -0.03% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $2.7M |
| Vision | ANTHEM HEALTH PLANS, INC | 328 | $15K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 76 | $69K |
| Long-term disability | STANDARD INSURANCE COMPANY | 76 | $69K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.