| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $51K | $51K | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS OF KENTUCKY | $11K | — | $11K | 3.08% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.32% |
| CREATIVE BENEFIT PLANNING3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $1K | — | $1K | 8.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $983 | — | $983 | 8.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $905 | — | $905 | 15.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 124 | $1.4M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 210 | $99K |
| Vision(2 contracts) | VISION SERVICE PLAN | 105 | $26K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $30K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 140 | $28K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $18K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY | 49 | $352K |
| Other | CIGNA LIFE INSURANCE COMPANY OF AMERICA | 140 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.