| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 14.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | DBL GENERAL AGENT 155 PINELAWN RD, STE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 8.45% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | DELTA DENTAL OF NEW YORK | $32K | — | $32K | 12.85% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $17K | 19.13% |
| NATIONAL BENEFIT CENTER3 | 3700 EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.45% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.81% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 340 | $249K |
| Vision | AETNA LIFE INSURANCE COMPANY | 639 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 255 | $295K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 255 | $295K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 255 | $295K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 1 | $470K |
| Other | HARTFORD LIFE AND ACCIDENT | 255 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.