| 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 THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $11K | $22K | 0.78% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | — | $45K | $45K | 3.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 2.55% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $15K | — | $15K | 5.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SECURITIES INC. | 1250 CAPITAL OF TX HWY X BLDG 2 #600 AUSTIN, TX 78746 | MINNESOTA LIFE INSURANCE COMPANY | $9K | — | $9K | 5.74% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY | $3K | $190 | $3K | 13.63% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133 | $10 | $143 | 10.78% |
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 | 3,906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 164 | $281K |
| Vision | EYEMED VISION CARE | 6,192 | $298K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,906 | $3.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $1K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,747 | $500K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,283 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,906 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,192 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.