| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 1100 SUMMER STREET 4TH FL STAMFORD, CT 06905 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $22K | — | $22K | 8.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 4TH FL STAMFORD, CT 06905 | VISION SERVICE PLAN | $2K | — | $2K | 4.16% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $3K | $287 | $3K | 16.50% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $3K | $287 | $3K | 16.50% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $2K | $274 | $2K | 11.50% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $2K | $211 | $2K | 16.46% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $216 | $32 | $248 | 11.45% |
| CREATIVE BENEFIT PLANNING3 | 1100 SUMMER STREET STAMFORD, CT 06905 | CIGNA GROUP INSURANCE | $136 | $13 | $149 | 16.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HP PLANNING LLC EIN 06-1470152 BROKER | Insurance agents and brokers Service code 22 | — | $128K |
| HP PLANNING, LLC EIN 06-1470152 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 181 | $278K |
| Vision | VISION SERVICE PLAN | 187 | $39K |
| Life insurance | CIGNA GROUP INSURANCE | 182 | $18K |
| Long-term disability | CIGNA GROUP INSURANCE | 182 | $19K |
| Other(3 contracts) | CIGNA GROUP INSURANCE | 182 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.