| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $213K | — | $213K | 3.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 14.63% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $11K | — | $11K | 3.83% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $6K | — | $6K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE BOSTON, MA 02116 | DELTA DENTAL OF OHIO | $7K | — | $7K | 3.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $2K | — | $2K | 1.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $150 | — | $150 | 0.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $758 | $13K | 21.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $607 | $6K | 11.22% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $253 | $253 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | $350 | — | $350 | 0.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $400 | — | $400 | 1.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $416 | $3K | 11.72% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $173 | $173 | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $290 | $3K | 11.21% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $121 | $121 | 0.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| LIFETIME BENEFITS INSURANCE LLP3 Filed as: LIFETIME BENEFITS GROUP INC. | 689 UNION ST. MANCHESTER, NH 03105 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH RD CHARLOTTE, NC 282115588 | HUMANA INSURANCE COMPANY | $300 | — | $300 | 2.60% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $7 | $1K | 21.56% |
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 | 1,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $6.6M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $6.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $5.9M |
| Life insurance(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $476K |
| Short-term disability | UNICARE LIFE & HEALTH INSURANCE COMPANY | 0 | $17K |
| Long-term disability(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $223K |
| Prescription drug(8 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,201 | $6.2M |
| Other(13 contracts, 8 carriers) | ANTHEM HEALTH PLANS, INC. | 600 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.