| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 4.18% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.07% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 STATE ROUTE 27 STE 1080 EDISON, NJ 08817 | UNITEDHEALTHCARE INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $423 | $6K | 8.59% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.40% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | ANTHEM HEALTH PLANS, INC. | $1K | — | $1K | 6.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $102 | $2K | 11.61% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY STE 1080 EDISON, NJ 08817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $729 | — | $729 | 3.94% |
| PROFESSIONAL GROUP PLANS INC3 | 2245 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $243 | $243 | 1.31% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $586 | $78 | $664 | 6.59% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNUM INSURANCE COMPANY | $119 | — | $119 | 1.18% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $871 | — | $871 | 9.02% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 STATE ROUTE 27 STE 1080 EDISON, NJ 08817 | UNITEDHEALTHCARE INSURANCE COMPANY | $89 | — | $89 | 0.92% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | FIRST UNUM LIFE INSURANCE COMPANY | $349 | $64 | $413 | 14.96% |
| QUANTUM BENEFITS3 Filed as: QUANTUM FINANCIAL PARTNERS | 21 BUSINESS PARK DRIVE BRANFORD, CT 06405 | FIRST UNUM LIFE INSURANCE COMPANY | $66 | — | $66 | 2.39% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $409K |
| Dental | ANTHEM HEALTH PLANS, INC. | 168 | $23K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $92K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $73K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.