| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | UNITED HEALTHCARE INSURANCE COMPANY | -$558 | $12K | $11K | 0.23% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $4K | $27K | 9.51% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $16K | $2K | $18K | 16.87% |
| HP PLANNING LLC3 Filed as: HP PLANNING. LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $9K | $1K | $10K | 16.68% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $905 | $113 | $1K | 16.87% |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 623 | $5.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,350 | $285K |
| Vision | VISION SERVICE PLAN | 340 | $29K |
| Life insurance | CIGNA GROUP INSURANCE | 365 | $108K |
| Long-term disability | CIGNA GROUP INSURANCE | 365 | $63K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 623 | $4.8M |
| Other(2 contracts) | CIGNA GROUP INSURANCE | 365 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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.