| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | — | $35K | 1.36% |
| FOUNDATION RISK PARTNERS CORP3 | 5530 TRABUCO RD IRVINE, CA 92620 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 0.25% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN INC. | $945 | — | $945 | 0.04% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $15K | — | $15K | 1.39% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $70K | $15K | $85K | 8.72% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 2.45% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.26% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $15K | — | $15K | 8.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $9K | — | $9K | 5.63% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $219 | — | $219 | 4.96% |
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 | 1,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 372 | $4.0M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,600 | $842K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,033 | $168K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,229 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,283 | $276K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,600 | $670K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,600 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,033 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.