| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $51K | $61K | 4.95% |
| HP PLANNING LLC3 | 2 LYON PLACE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 7.32% |
| HP PLANNING LLC3 | 2 LYON PLACE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 13.18% |
| PROFESSIONAL GROUP PLAN INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $469 | $4K | $5K | 46.13% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $915 | — | $915 | 9.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 900 STEWART AVENUE 4TH FLOOR GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $74 | — | $74 | 0.73% |
| HP PLANNING LLC3 | 2 LYON PLACE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $657 | — | $657 | 10.62% |
| HP PLANNING LLC3 | 2 LYON PLACE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $236 | — | $236 | 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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $10K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 170 | $6K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 170 | $39K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 170 | $21K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 170 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.