| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 1100 SUMMER STREET 4TH FL STAMFORD, CT 06905 | HARVARD PILGRIM HEALTH CARE | $35K | — | $35K | 1.52% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA | AISLING PARTNERS LLC 25 HARVARD STREET WORCESTER, MA 01609 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.70% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 4TH FL STAMFORD, CT 06905 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.68% |
| AISLING PARTNERS INSURANCE BROKERAG3 Filed as: AISLING PARTNER | 25 HARVARD STREET 4TH FL WORCESTER, MA 01609 | METROPOLITAN LIFE INSURANCE COMPANY | — | $81 | $81 | 0.05% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.41% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.82% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.06% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 4TH FL STAMFORD, CT 06905 | HARVARD PILGRIM HEALTH CARE | $691 | — | $691 | 1.52% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 1100 SUMMER STREET 2ND FL STAMFORD, CT 06905 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $589 | — | $589 | 15.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 303 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 601 | $175K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $91K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $67K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $75K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.