| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | CONNECTICARE, INC. | $66K | $4K | $70K | 5.60% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 068541700 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $2K | $7K | 14.17% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DR # 8 BRANFORD, CT 064052909 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.63% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | $194 | $422 | 1.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $161 | $161 | 0.66% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65 | $0 | $65 | 0.27% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $166 | $141 | $307 | 1.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $118 | $118 | 0.67% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48 | $0 | $48 | 0.27% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $668 | $0 | $668 | 15.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42 | $35 | $77 | 1.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $30 | $30 | 0.67% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12 | $0 | $12 | 0.27% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 117 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $47K |
| Vision | CONNECTICARE, INC. | 117 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.