| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFIT PLANNING3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $129K | $6K | $135K | 29.55% |
| HP PLANNINGLLC DBA CREATIVE BENEFIT3 | PLANNING - ALERA GROUP 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | DELTA DENTAL OF CONNECTICUT INC. | $15K | — | $15K | 9.99% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $142 | $8K | 15.28% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $1K | — | $1K | 4.42% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $62 | $3K | 15.28% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $61 | $3K | 15.28% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 422 | $455K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT INC. | 389 | $185K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $23K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 422 | $455K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.