| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | SYMETRA LIFE INSURANCE COMPANY | $106K | $0 | $106K | 15.00% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | $55K | $0 | $55K | 7.83% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.31% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA GROUP INSURANCE | $12K | $0 | $12K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $3K | $3K | 3.89% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY. INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA GROUP INSURANCE | $9K | $0 | $9K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $2K | $2K | 4.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC. | 100 PEARL STREET. 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE PLAN C | $6K | $0 | $6K | 10.48% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, TN 06103 | CIGNA GROUP INSURANCE | $7K | $0 | $7K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $2K | $2K | 4.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 061031961 | CIGNA GROUP INSURANCE | $2K | $0 | $2K | 9.40% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $835 | $835 | 4.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC. | 100 PEARL STREET 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE PLAN B | $1K | $0 | $1K | 12.31% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA GROUP INSURANCE | $469 | $0 | $469 | 14.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $125 | $125 | 3.99% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA GROUP INSURANCE | $372 | $0 | $372 | 14.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $99 | $99 | 3.99% |
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 | 926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE PLAN C | 1,069 | $66K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 926 | $215K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 642 | $136K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 653 | $192K |
| Other(7 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,069 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,069 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.