| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $6K | $36K | 18.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 4.05% |
| C M SMITH AGENCY, INC.3 | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $6K | $35K | 18.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$155 | $8K | $8K | 4.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $5K | $31K | 18.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$246 | $7K | $7K | 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 | $3K | $6K | 8.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$131 | $3K | $3K | 4.22% |
| 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 | $4K | — | $4K | 10.64% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $770 | $4K | 18.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$167 | $1K | $859 | 4.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $310 | $2K | 18.98% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$16 | $414 | $398 | 4.22% |
| 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 | $458 | — | $458 | 11.67% |
| 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 | $31 | — | $31 | 11.83% |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE | 761 | $46K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $273K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $171K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $197K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 952 | $572K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.