| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $0 | $2K | 12.16% |
| ARCHON LLC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $2K | $2K | 12.16% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $341 | $341 | 2.00% |
| ARCHON LLC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $2K | $2K | 13.87% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $288 | $288 | 2.00% |
| ARCHON LLC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $2K | $2K | 12.62% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 9.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $256 | $256 | 2.00% |
| ARCHON LLC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $358 | $358 | 12.47% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $350 | $0 | $350 | 12.19% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $57 | $57 | 1.98% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 107 | $17K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 107 | $13K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 100 | $14K |
| Other(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 107 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
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.