| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | $11K | $63K | 4.63% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $601 | $601 | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $241 | $241 | 0.80% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $374 | $374 | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $159 | $159 | 0.85% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $328 | $328 | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $138 | $138 | 0.84% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE. STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $781 | $0 | $781 | 7.20% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 23.77% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $822 | $0 | $822 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $110 | $110 | 2.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $45 | $45 | 0.82% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES | 777 MARINERS ISLAND BLVD 250 SAN MATEO, CA 91101 | HARTFORD FIRE INSURANCE COMPANY | $413 | $0 | $413 | 20.02% |
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 | 142 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.4M |
| Vision | VISION SERVICE PLAN | 115 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $19K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
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.