| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 01027 | TUFTS INSURANCE COMPANY | $20K | $0 | $20K | 4.17% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 01027 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $13K | $0 | $13K | 4.12% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $2K | $0 | $2K | 3.33% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 18.80% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC5 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 06405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | EYEMED VISION CARE | $2K | $0 | $2K | 15.07% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 76 | $811K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 137 | $75K |
| Vision | EYEMED VISION CARE | 107 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $50K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 76 | $811K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.