| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HR PLANNING LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $145K | — | $145K | 4.45% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 0.79% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $56 | $12 | $68 | 0.05% |
| HP PLANNING LLC3 Filed as: HR PLANNING LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 19.49% |
| HP PLANNING LLC3 Filed as: HR PLANNING LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $2K | — | $2K | 8.47% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $364 | — | $364 | 1.65% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGAGTOR, LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $46 | — | $46 | 0.21% |
| HP PLANNING LLC Filed as: HR PLANNING LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.75% |
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 | 1,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 1,213 | $18.1M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 1,213 | $14.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 1,213 | $14.1M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,119 | $1.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,119 | $1.1M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,119 | $1.1M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,119 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,119 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.