| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $1K | $22K | 15.88% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $1K | $20K | 16.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $991 | $17K | 15.94% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $616 | $4K | 7.89% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: C M SMITH AGENCY,INC. ALERA GROUP | 100 PEARL STREET 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $5K | — | $5K | 10.96% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $1K | — | $1K | 10.78% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $72 | $1K | 16.06% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $271 | $271 | 4.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $950 | $77 | $1K | 16.21% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $253 | $253 | 3.99% |
| GCG FINANCIAL LLC3 Filed as: C M SMITH AGENCY, INC. ALERA GROUP | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $54 | — | $54 | 12.74% |
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 | 909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 847 | $58K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 909 | $193K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 909 | $105K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 909 | $125K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 1,058 | $593K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 909 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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.