| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, LLC | 100 PEARL ST., HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC | $35K | $0 | $35K | 1.65% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, LLC | 100 PEARL ST., HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $17K | $0 | $17K | 1.38% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $79K | $0 | $79K | 7.23% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $4K | $10K | 4.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.44% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.35% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $7K | $0 | $7K | 5.02% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.38% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $4K | $9K | 8.67% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.15% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL W TOWER HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 9.17% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.07% |
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 | 2,073 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 333 | $3.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $108K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 2,820 | $203K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,073 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,437 | $229K |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,073 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,820 | — |
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.