| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.15% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $470 | $0 | $470 | 1.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $209 | $209 | 0.67% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $116 | $116 | 0.37% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $322 | $0 | $322 | 1.59% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $311 | $0 | $311 | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.68% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.38% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE # 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | $48 | $868 | 7.00% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $423 | $146 | $569 | 4.59% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $617 | $6 | $623 | 7.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $543 | $27 | $570 | 6.40% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $154 | $154 | 1.73% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $625 | $0 | $625 | 7.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | $154 | $396 | 4.57% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | $0 | $176 | 2.03% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.55% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE # 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $463 | $20 | $483 | 10.70% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $87 | $25 | $112 | 2.48% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE # 502 NORWALK, CT 068541700 | METROPOLITAN LIFE INSURANCE COMPANY | $362 | $20 | $382 | 10.19% |
| ROSE & KIERNAN INC3 | PO BOX 786677 PHILADELPHIA, PA 191786677 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.05% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $159 | $0 | $159 | 10.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | P.O. BOX 786677 PHILADELPHIA, PA 19178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63 | $25 | $88 | 5.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28 | $0 | $28 | 1.90% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $8 | $8 | 0.54% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 168 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 168 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 142 | $1K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $29K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $31K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 123 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.