| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALERAGROUP, INC.(BOUCHER, SUSAN M)3 | 100 PEARL STREET, 3RD FLOOR HARTFORD, CT 06103 | HUMANA INC. | $9K | — | $9K | 1.44% |
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 6.17% |
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06013 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 6.99% |
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $428 | $552 | $980 | 6.87% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | WYSSTA INSURANCE COMPANY INC. | $182 | — | $182 | 8.02% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INC. | 32 | $603K |
| Dental | DELTA DENTAL OF WISCONSIN | 33 | $30K |
| Vision | WYSSTA INSURANCE COMPANY INC. | 21 | $2K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $144K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $144K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $130K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.