| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 64501 | UNITEDHEALTHCARE INSURANCE COMPANY | $135K | $0 | $135K | 3.00% |
| UNKNOWN3 | UNKNOWN THYOMASTON, CT 06787 | HEALTH NEW ENGLAND, INC. | $39K | $0 | $39K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 3.03% |
| HP PLANNING LLC3 | 4 CENTURY DRIVE, SUITE 360 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $15K | 2.71% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $583 | $0 | $583 | 0.11% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $8K | $25K | 18.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.95% |
| HP PLANNING LLC3 | 1100 SUMMER STREET, 4TH FLOOR STAMFORD, CT 06905 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $321 | $0 | $321 | 0.43% |
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 | 1,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $6.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $552K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $627K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,051 | $690K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,051 | $138K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,051 | $138K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 598 | $6.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,051 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,051 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.