| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HOUGHTON3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $67K | $0 | $67K | 4.06% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.03% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.60% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $861 | $6K | 17.64% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $738 | $738 | 2.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 29.67% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 13.46% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $387 | $2K | 9.48% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $0 | $524 | 3.08% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $738 | $0 | $738 | 5.77% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $477 | $100 | $577 | 4.51% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $399 | $0 | $399 | 3.12% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $249 | $101 | $350 | 2.74% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $814 | $0 | $814 | 9.66% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $448 | $105 | $553 | 6.56% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $195 | $461 | 5.47% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | $0 | $255 | 3.02% |
| NEESENROLL3 | 650 EDDIE DOWLING HWY NORTH SMITHFIELD, RI 02896 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $688 | $0 | $688 | 9.61% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $106 | $515 | 7.20% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $163 | $368 | 5.14% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $217 | $0 | $217 | 3.03% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APT 1104 POMPANA BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.15% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $567 | $163 | $730 | 12.76% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $267 | $252 | $519 | 9.08% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $0 | $408 | 7.13% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 3.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $0 | $219 | 5.22% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $17 | $131 | 3.12% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 3.07% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $24 | $103 | 2.45% |
| ANGELA MASSARELLI3 Filed as: ANGELA J ZWEERS | 183 BRANDON WOODS DR SPRING HILL, TN 37174 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.29% |
| BRANDI TAFT3 | 6413 PREMIER DR NASHVILLE, TN 37209 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.14% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $716 | $0 | $716 | 17.77% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $86 | $389 | 9.66% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $174 | $361 | 8.96% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 3.20% |
| DEBBIE RENEA CUNNINGHAM3 | 3764 CALISTA RD CROSS PLAINS, TN 37049 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.10% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 3.02% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 1.22% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.88% |
| DEBBIE RENEA CUNNINGHAM3 | 3764 CALISTA RD CROSS PLAINS, TN 37049 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.61% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $407 | $0 | $407 | 18.73% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $110 | $221 | 10.17% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR APT 1104 POMPANA BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $10 | $122 | 5.61% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 2.99% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $8 | $44 | 2.02% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LN HERMITAGE, TN 37076 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.46% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.05% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $51 | $223 | 13.50% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $81 | $165 | 9.99% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 7.08% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 3.39% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.36% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | THE PAUL REVERE LIFE INSURANCE COMPANY | $234 | $0 | $234 | 19.13% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | $24 | $108 | 8.83% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | $1 | $67 | 5.48% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 3.19% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 12.50% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $25 | $59 | 6.58% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 3.35% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 2.57% |
| KARIN ANGELIS3 | 2639 N RIVERSIDE DR POMPANA BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 1.45% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 10.19% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $5 | $26 | 8.02% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $9 | $21 | 6.48% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 3.09% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 51.75% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $38 | $73 | 23.17% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 5.08% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BAMSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 2.86% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 520 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 520 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 520 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $41K |
| Other(15 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.