| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC | $37K | $0 | $37K | 1.40% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | $0 | $41K | 3.83% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, LLC | 100 PEARL ST., HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $15K | $0 | $15K | 1.50% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.51% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.27% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 9.95% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $5K | $0 | $5K | 2.96% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $3K | $0 | $3K | 2.06% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | $0 | $59K | 65.00% |
| KESTRA INVESTMENT SERVICES LLC3 | 5707 SOUTHWEST PKWY STE 2 STE 400 AUSTIN, TX 787356214 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $84 | $0 | $84 | 3.32% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $43 | $0 | $43 | 1.70% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | $0 | $12 | 11.01% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4 | $4 | 3.67% |
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 | 2,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,551 | $4.0M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,551 | $345K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 2,953 | $164K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,145 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,479 | $265K |
| Other(7 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,551 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,953 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.