| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING INC. | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | CONNECTICARE | $58K | — | $58K | 2.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1600 SUMMER STREET STAMFORD, CT 06905 | CONNECTICARE | — | $10K | $10K | 0.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $333 | $3K | 1.52% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANIES | $3K | — | $3K | 2.85% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | AETNA LIFE INSURANCE COMPANIES | $669 | — | $669 | 0.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $431 | $3K | 6.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $415 | $4K | 12.49% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE | 210 | $2.3M |
| Dental | AETNA LIFE INSURANCE COMPANIES | 275 | $104K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $208K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $30K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.