| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 1.90% |
| FHK CORPORATION3 | 6790 N GREEN BAY AVENUE MILWAUKEE, WI 53209 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| FHK CORPORATION3 | 6790 N GREEN BAY AVENUE MILWAUKEE, WI 53209 | EXPRESS SCRIPTS INC. | $455 | — | $455 | 1.83% |
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31 | — | $31 | 12.45% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 490 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 8 | $29K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 482 | $87K |
| Prescription drug | EXPRESS SCRIPTS INC. | 8 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.