| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CA 068541700 | UNITEDHEALTHCARE INSURANCE COMPANY | $104K | $16K | $120K | 5.44% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DR #8 BRANFORD, CT 064052909 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 1.41% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | ANTHEM LIFE INSURANCE COMPANY | $933 | $0 | $933 | 6.20% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CA 06854 | EYEMED VISION CARE | $164 | $0 | $164 | 1.67% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 21.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $0 | $907 | $907 | 11.15% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $2.2M |
| Vision | EYEMED VISION CARE | 246 | $10K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 283 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.