| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $43K | $15K | $58K | 2.10% |
| MICHAEL HAND3 Filed as: MICHAEL DENNIS HAND | 100 CORPORATE POINTE STE 210 CULVER CITY, CA 90230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $79K | $79K | 5.80% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $15K | — | $15K | 4.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF OHIO | $911 | — | $911 | 0.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON BOSTON, MA 02199 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 8.18% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS, INC. | $5K | — | $5K | 3.26% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $6K | — | $6K | 6.58% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $674 | $19K | 20.75% |
| MICHAEL HAND3 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 7.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $690 | — | $690 | 1.02% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $8K | — | $8K | 11.45% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 1.78% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $260 | — | $260 | 0.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1 | — | $1 | 0.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $640 | $5K | 11.42% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $732 | $732 | 1.63% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $4K | — | $4K | 11.94% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTH | ONE LIBERTY PLAZA, 165 BROADWAY STE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $2K | — | $2K | 14.89% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $2K | — | $2K | 12.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| MICHAEL HAND5 | 100 CORPORATE POINTE SUITE 210 CULVER CITY, CA 90230 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LEVI & ASSOCIATES INSURANCE3 | 2790 N FEDERAL HWY 3RD FLOOR BOCA RATON, FL 33431 | USABLE LIFE | $343 | — | $343 | 15.17% |
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 | 853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 465 | $4.7M |
| Dental(5 contracts, 5 carriers) | ANTHEM HEALTH PLANS, INC. | 954 | $959K |
| Vision(5 contracts, 3 carriers) | VISION SERVICE PLAN | 407 | $86K |
| Life insurance(6 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 449 | $526K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $163K |
| Long-term disability(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $358K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 45 | $83K |
| Other(10 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 853 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.