| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | HPHC INSURANCE COMPANY | $13K | — | $13K | 4.92% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | HPHC INSURANCE COMPANY | $7K | — | $7K | 5.06% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | HPHC INSURANCE COMPANY | $7K | — | $7K | 4.89% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | AETNA LIFE INSURANCE CO. | $1K | $500 | $2K | 22.30% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | EYEMED | $489 | — | $489 | 9.96% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 41 | $563K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $49K |
| Vision | EYEMED | 78 | $5K |
| Life insurance | AETNA LIFE INSURANCE CO. | 105 | $8K |
| Other | AETNA LIFE INSURANCE CO. | 105 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.