| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | 10 STATE HOUSE SQUARE HARTFORD, CT 06103 | CONNECTICARE, INC. | — | $93K | $93K | 1.25% |
| HP PLANNING LLC3 Filed as: HP PLANNING | 535 CONNECTICUT AVE NORWALK, CT 06854 | CONNECTICARE, INC. | — | $71K | $71K | 0.96% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE FL 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 2.35% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $532 | — | $532 | 0.20% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE FL 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $927 | $6K | 4.57% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $515 | — | $515 | 0.42% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFITS SOLUTIONS | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE FL 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $855 | $4K | 3.93% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | — | $441 | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | PO BOX 414965 BOSTON, MA 02241 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 5.77% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE FL 11 HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.16% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $978 | $978 | 5.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE HARTFORD, CT 06905 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $652 | $91 | $743 | 6.92% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | — | $587 | 5.47% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $537 | $537 | 5.00% |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 817 | $7.4M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 905 | $376K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 579 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $114K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $264K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $123K |
| Prescription drug | CONNECTICARE, INC. | 817 | $7.4M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.