| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $160K | — | $160K | 2.52% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.81% |
| 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 | — | $992 | $992 | 0.38% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.98% |
| 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 | — | $465 | $465 | 0.35% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFITS SOLUTIONS | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.66% |
| 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 | — | $445 | $445 | 0.40% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $4K | — | $4K | 9.92% |
| 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 | $969 | $6K | 17.88% |
| 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 | 13.65% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $969 | $969 | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.44% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $576 | $576 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE HARTFORD, CT 06905 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $44 | $44 | 0.38% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 758 | $6.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 835 | $277K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 658 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $111K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $263K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $132K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.