| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE BENEFIT ADMINISTRATORS OF MASS3 Filed as: BLUE BENEFIT ADMINISTRATORS OF MAS | P.O. BOX 55917 BOSTON, MA 02205 | NA SPECIALTY INS. (SWISS RE) | — | $115K | $115K | 21.50% |
| HP PLANNING LLC3 Filed as: HP PLANNING LLC DBA AISLING PARTNER | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | NA SPECIALTY INS. (SWISS RE) | $59K | — | $59K | 11.10% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 CONFIDENTIAL NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.77% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 CONFIDENTIAL NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $583 | $3K | 9.89% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | EYEMED | $1K | — | $1K | 6.35% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: PERSONAL RISK MANAGEMENT SOLUTIONS, | 335 MADISON AVE 22ND FLOOR NEW YORK, NY 10017 | EYEMED | $855 | — | $855 | 5.14% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE,#502 NORWALK, CT 06454 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $341 | $2K | 12.93% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 CONFIDENTIAL NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $263 | $2K | 17.13% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC DBA AISLING PARTNE | 535 CONNECTICUT AVE #502 CONFIDENTIAL NORWALK, CT 06854 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $568 | $83 | $651 | 17.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HRC TOTAL SOLUTIONS TAX EIN 30-0041952 ADMINISTRATIVE FEE,CLAIM | Contract Administrator; Claims processing Service code 12 | — | $222K |
| BLUE BENEFIT ADMINISTRATORS OF MASS EIN 27-1502067 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NA SPECIALTY INS. (SWISS RE) | 115 | $535K |
| Vision | EYEMED | 207 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $27K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $12K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.