| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.14% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | HARTFORD LIFE AND ACCIDENT | $45K | $676 | $46K | 14.12% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GROUP | LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.42% |
| HP PLANNING LLC3 | DBA CREATIVE BENEFIT PLANNING 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | DELTA DENTAL OF NEW JERSEY | $19K | — | $19K | 6.75% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 23.99% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY, AN ALERA GROUP | LLC 155 PINELAWN RD STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $281 | $281 | 0.37% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $4K | — | $4K | 10.01% |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 616 | $6.4M |
| Dental | DELTA DENTAL OF NEW JERSEY | 663 | $274K |
| Vision | VISION SERVICE PLAN | 323 | $39K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 646 | $324K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 646 | $324K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 646 | $324K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 646 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.