| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | UNITED HEALTHCARE | $69K | $0 | $69K | 5.67% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DR # 8 BRANFORD, CT 06405 | UNITED HEALTHCARE | $15K | $0 | $15K | 1.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | UNITED HEALTHCARE | $4K | $0 | $4K | 10.93% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DR # 8 BRANFORD, CT 06405 | UNITED HEALTHCARE | $2K | $0 | $2K | 5.46% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | $0 | $261 | 1.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $64 | $64 | 0.30% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | $0 | $190 | 1.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $47 | $47 | 0.30% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | UNITED HEALTHCARE INSURANCE COMPANY | $812 | $0 | $812 | 10.94% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DR # 8 BRANFORD, CT 06405 | UNITED HEALTHCARE INSURANCE COMPANY | $406 | $0 | $406 | 5.47% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $403 | $0 | $403 | 10.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48 | $0 | $48 | 1.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12 | $12 | 0.31% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 155 | $1.2M |
| Dental | UNITED HEALTHCARE | 70 | $39K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 86 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.