| 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 | $0 | $14K | $14K | 0.29% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $114 | $23K | 8.72% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $37K | $0 | $37K | 15.00% |
| HP PLANNING LLC3 Filed as: HP PLANNING. LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $20K | $0 | $20K | 14.70% |
| 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 | $2K | $0 | $2K | 15.00% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 517 | $5.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,388 | $268K |
| Vision | VISION SERVICE PLAN | 347 | $31K |
| Life insurance | CIGNA GROUP INSURANCE | 385 | $244K |
| Long-term disability | CIGNA GROUP INSURANCE | 378 | $135K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 517 | $4.8M |
| Other(2 contracts) | CIGNA GROUP INSURANCE | 385 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,388 | — |
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.