| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $170K | $205K | 2.42% |
| CREATIVE BENEFIT PLANNING3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $69K | $84K | 0.99% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | FIRST UNUM LIFE INSURANCE COMPANY | $52K | $4K | $56K | 16.25% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $821 | $11K | 16.25% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $8K | — | $8K | 14.19% |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $8.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $8.5M |
| Vision | VISION SERVICE PLAN | 346 | $55K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 434 | $409K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 434 | $344K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 434 | $344K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 434 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.