| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | $0 | $82K | $82K | 5.05% |
| 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 | $21K | 1.37% |
| 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 | $3K | $12K | 2.61% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $13K | $0 | $13K | 4.53% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 18.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.73% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $190 | $0 | $190 | 0.12% |
| 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 | $3K | $169 | $3K | 14.07% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $155 | $0 | $155 | 4.35% |
| 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 | $127 | $10 | $137 | 10.77% |
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 | 4,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 155 | $277K |
| Vision(2 contracts) | EYEMED VISION CARE | 6,075 | $302K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,001 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $1K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,668 | $465K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,295 | $1.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,001 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,075 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.