| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | — | $84K | $84K | 4.89% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 1.22% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 0.94% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 1.15% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 0.96% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 1.74% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.31% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $15K | — | $15K | 4.91% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.78% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $505 | $505 | 1.18% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $374 | — | $374 | 7.83% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $124 | — | $124 | 11.02% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16 | $16 | 1.42% |
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 | 3,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 150 | $353K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 3 | $54K |
| Vision(2 contracts) | EYEMED VISION CARE | 5,793 | $306K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,054 | $1.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7 | $1K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,632 | $539K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,126 | $1.7M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,054 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,793 | — |
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.