| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING,LLC | 535 CONNECTICUT AVE NORWALK, CT 06854 | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 4.22% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER ST. STAMFORD, CT 06905 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.88% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC. | PO BOX 545 MADISON, NJ 07940 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.50% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC. | 4 CENTURY DRIVE STE 360 PARSIPPANY, NJ 07054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.71% |
| HP PLANNING LLC3 Filed as: HP PLANNING,LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $286 | $3K | 19.79% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $237 | $1K | 12.00% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC. | PO BOX 545 MADISON, NJ 07940 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $596 | — | $596 | 6.15% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 65.47% |
| HP PLANNING LLC3 Filed as: HP PLANNING,LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $218 | $44 | $262 | 11.99% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 225 | $748K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 175 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $14K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.