| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $81K | $91K | 2.50% |
| BROAD REACH BENEFITS3 | PO BOX 545 MADISON, NJ 07940 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $57K | $57K | 1.55% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS, INC. | 30 COOK PLAZA SUITE 200 MADISON, NJ 07940 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.40% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $554 | — | $554 | 0.96% |
| BROAD REACH BENEFITS3 | PO BOX 545 MADISON, NJ 07940 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.93% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS, INC. | 30 COOK PLAZA SUITE 200 MADISON, NJ 07940 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 17.39% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $288 | — | $288 | 0.96% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $3.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 479 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 196 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 196 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.