| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE, SUITE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $155K | $177K | 2.16% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE, SUITE 502 NORWALK, CT 06854 | FIRST UNUM LIFE INS CO | $83K | $7K | $90K | 16.25% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE, SUITE 502 NORWALK, CT 06854 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.64% |
| DANIEL F MCCARTHY3 Filed as: DANIEL F MACCARTHY | C/O CM SMITH FINANCIAL, INC. 100 PEARL ST. THIRD FLOOR WEST TOW HARTFORD, CT 061034510 | MASSMUTUAL LIFE INSURANCE CO. | $15K | $735 | $15K | 17.60% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 010402754 | MASSMUTUAL LIFE INSURANCE CO. | $3K | $685 | $4K | 4.11% |
| GREGORY KARL LARGE3 | 281 TRESSER BLVD STE 1004 STAMFORD, CT 069013238 | MASSMUTUAL LIFE INSURANCE CO. | $34 | $0 | $34 | 0.04% |
| RICHARD PIERCE VANBENSCHOTEN3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSMUTUAL LIFE INSURANCE CO. | $17 | $0 | $17 | 0.02% |
| 340 MADISON3 | 340 MADISON AVE FL21 NEW YORK, NY 101730401 | MASSMUTUAL LIFE INSURANCE CO. | $5 | $0 | $5 | 0.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE, SUITE 502 NORWALK, CT 06854 | FIRST UNUM LIFE INS CO | $10K | $869 | $11K | 15.64% |
| HPPLANNINGLLC3 | 535 CONNECTICUT AVE, SUITE 502 NORWALK, CT 06854 | FIRST UNUM LIFE INS CO | $2K | $503 | $3K | 11.55% |
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 | 480 | 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) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 430 | $8.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 430 | $8.2M |
| Vision | VISION SERVICE PLAN | 383 | $104K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INS CO | 480 | $624K |
| Short-term disability | FIRST UNUM LIFE INS CO | 480 | $552K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INS CO | 480 | $639K |
| Other(3 contracts) | FIRST UNUM LIFE INS CO | 480 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.