| 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 | $89K | $89K | 5.69% |
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST-TOWER HARTFORD, CT 06103 | RELIANCE STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 0.96% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 1.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 1.71% |
| 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 | $14K | $0 | $14K | 4.86% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 5707 SOUTHWEST PARKWAY SUITE 2, SUITE 400 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $41 | $10K | 5.91% |
| KESTRA INVESTMENT SERVICES LLC3 Filed as: KESTRA INVESTMENT SERVICES, LLC | 5707 SOUTHWEST PARKWAY SUITE 2, SUITE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.03% |
| C M SMITH AGENCY, INC.3 Filed as: C. M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST-TOWER HARTFORD, CT 06103 | RELIANCE STANDARD INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.42% |
| 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 | $271 | $0 | $271 | 4.98% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD INSURANCE COMPANY | $138 | $0 | $138 | 10.96% |
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 | 3,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 189 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $281K |
| Vision | EYEMED VISION CARE | 6,043 | $298K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 3,964 | $1.4M |
| Short-term disability | RELIANCE STANDARD INSURANCE COMPANY | 8 | $1K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 2,713 | $566K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,243 | $1.6M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 3,964 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,043 | — |
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."
No prospect flags tripped on this filing.