| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 2.60% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS, INC. | 4 CENTURY DRIVE STE 360 PARSIPPANY, NJ 07054 | DOMINION NATIONAL | $20K | — | $20K | 7.64% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | DOMINION NATIONAL | $6K | — | $6K | 2.36% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 14.73% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.62% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $899 | — | $899 | 1.77% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS, INC. | 30 COOK PLAZA SUITE 200 MADISON, NJ 07940 | HARTFORD FIRE INSURANCE COMPANY | $793 | — | $793 | 15.00% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 834 | $7.1M |
| Dental | DOMINION NATIONAL | 225 | $258K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 338 | $805K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $754K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 338 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 834 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.