| 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 | $71K | $0 | $71K | 15.00% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | $0 | $32K | $32K | 6.73% |
| 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 | $25K | $7K | $32K | 19.19% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $7K | $7K | 4.00% |
| 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 | $22K | $9K | $31K | 21.19% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | — | $6K | $6K | 4.00% |
| 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 | $20K | $5K | $25K | 19.08% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $5K | $5K | 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 | 10.43% |
| 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 | $3K | $2K | $6K | 12.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $2K | $2K | 3.96% |
| 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 | $997 | $0 | $997 | 12.18% |
| 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 | $1K | $279 | $1K | 19.91% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $17 | $278 | $295 | 4.24% |
| 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 | $866 | $352 | $1K | 21.09% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA GROUP INSURANCE | $0 | $231 | $231 | 4.00% |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE PLAN C | 1,005 | $65K |
| Life insurance | CIGNA GROUP INSURANCE | 751 | $46K |
| Short-term disability | CIGNA GROUP INSURANCE | 465 | $130K |
| Long-term disability | CIGNA GROUP INSURANCE | 471 | $166K |
| Other(6 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,005 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,005 | — |
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.