| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED HEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 5.20% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 2.35% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $8K | — | $8K | 10.00% |
| ROBERT C. HOUGHTON3 Filed as: ROBERT C HOUGHTON | 1100 SUMMER STREET STAMFORD, CT 06905 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 15.00% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 16.64% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED HEALTHCARE INSURANCE COMPANY | $801 | — | $801 | 11.13% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 209 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 90 | $76K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 160 | $7K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 152 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 49 | $31K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 152 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.