| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER ST. 4TH FL STAMFORD, CT 06905 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $3K | $29K | 8.86% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $21K | $2K | $23K | 16.39% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $12K | $1K | $13K | 16.37% |
| HP PLANNING LLC3 | 1100 SUMMER ST. 4TH FL STAMFORD, CT 06905 | VISION SERVICE PLAN | $3K | — | $3K | 9.88% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $101 | $1K | 16.41% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 307 | $6.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,512 | $323K |
| Vision | VISION SERVICE PLAN | 373 | $32K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 416 | $138K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 416 | $78K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 416 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,512 | — |
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.