| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 383 MAIN AVE STE 408 NORWALK, CA 068511543 | UNITEDHEALTHCARE INSURANCE COMPANY | $104K | $0 | $104K | 4.20% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DR #8 BRANFORD, CT 064052909 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 1.23% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.13% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | UNITED HEALTHCAER INSURANCE COMPANY | $23K | $0 | $23K | 61.52% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CA 06854 | EYEMED VISION CARE | $244 | $0 | $244 | 2.21% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $2.5M |
| Vision | EYEMED VISION CARE | 232 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,539 | $175K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $2.5M |
| Other | UNITED HEALTHCAER INSURANCE COMPANY | 85 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,539 | — |
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.