| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62937 VIRGINA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | $17K | $2K | $19K | 2.05% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $4K | $0 | $4K | 0.46% |
| THE HEALTH CONSULTANTS GROUP LLC3 Filed as: THE HEALTH CONSULTANTS GROUP | FARMINGTON VALLEY CORPORATE PARK PLAINVILLE, CT 06062 | ANTHEM HEALTH PLANS, INC. | -$1K | $0 | -$1K | -0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O.BOX 62937 VIRGINA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $1K | $0 | $1K | 3.56% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $410 | $0 | $410 | 1.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O.BOX 62937 VIRGINA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $888 | $42 | $930 | 6.78% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $484 | $0 | $484 | 3.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O.BOX 62937 VIRGINA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $482 | $24 | $506 | 6.35% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET 11 STAMFORD, CT 06905 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $314 | $0 | $314 | 3.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62937 VIRGINA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $155 | $20 | $175 | 2.91% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET STAMFORD, CT 06905 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $146 | $0 | $146 | 2.42% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC. | 139 | $921K |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 58 | $28K |
| Vision | ANTHEM HEALTH PLANS, INC. | 139 | $921K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $8K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 113 | $14K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 18 | $6K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.