| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET, 2ND FLOOR STAMFORD, CT 06905 | AETNA LIFE INSURANCE COMPANY | $699 | $0 | $699 | 2.69% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET, 2ND FLOOR STAMFORD, CT 06905 | HARTFORD LIFE AND ACCIDENT | $99 | $0 | $99 | 0.45% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET, 2ND FLOOR STAMFORD, CT 06905 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $357 | $0 | $357 | 8.92% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS, INC | 805 | $353K |
| Dental | AETNA LIFE INSURANCE COMPANY | 652 | $26K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 490 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 376 | $22K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 376 | $22K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 376 | $22K |
| Prescription drug | ANTHEM HEALTH PLANS, INC | 805 | $353K |
| Other | HARTFORD LIFE AND ACCIDENT | 376 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.