| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $191K | $216K | 5.35% |
| CREATIVE BENEFIT PLANNING3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $10K | — | $10K | 22.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $5K | — | $5K | 13.66% |
| CREATIVE BENEFIT PLANNING3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 22.00% |
| CREATIVE BENEFIT PLANNING3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 21.99% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $4.0M |
| Vision | VISION SERVICE PLAN | 175 | $38K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 206 | $45K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 206 | $23K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 206 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.