| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $4K | $48K | 16.50% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | DELTA DENTAL OF TENNESSEE | $27K | $0 | $27K | 10.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.33% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 9.10% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $5K | $247 | $5K | 21.25% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $3K | $131 | $3K | 11.42% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 4.28% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $4K | $242 | $4K | 19.32% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $2K | $128 | $2K | 10.41% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $0 | $961 | $961 | 4.22% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS, AN ALERA GROUP | 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $4K | $235 | $4K | 21.31% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $2K | $127 | $2K | 11.48% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $0 | $832 | $832 | 3.98% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 818 | $274K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $344K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $292K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $292K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.