| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 0.69% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $731 | $150 | $881 | 4.96% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.35% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD SITE 120 S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $611 | $611 | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE #502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD SITE 120 S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $607 | $607 | 5.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD SITE 502 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $545 | $545 | 5.00% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $655 | $233 | $888 | 9.49% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 1.54% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY STE 1080 EDISON, NJ 08817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.99% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4 | $4 | 0.06% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | $58 | $748 | 11.46% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE 502 NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | $0 | $282 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD SITE 120 S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $141 | $141 | 5.00% |
| HP PLANNING LLC3 | STE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | $0 | $279 | 15.02% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN RD SITE 120 S MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $93 | $93 | 5.01% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY STE 1080 EDISON, NJ 08817 | FIRST UNUM LIFE INS CO | $13 | $0 | $13 | 1.55% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 183 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 183 | $1.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 183 | $1.4M |
| Life insurance(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $18K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $30K |
| Other(8 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.