| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CONNECTICARE | — | $33K | $33K | 3.50% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS OF CT | $6K | — | $6K | 10.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 16.05% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $896 | — | $896 | 1.80% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE | 170 | $944K |
| Dental | ANTHEM HEALTH PLANS OF CT | 87 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 115 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 115 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 115 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.