| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $3K | $17K | 18.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.57% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.64% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $15K | 18.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.62% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.59% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 18.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.55% |
| 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 | $3K | $0 | $3K | 5.11% |
| 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 | $3K | $0 | $3K | 4.68% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 8.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$169 | $2K | $2K | 4.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 8.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 11.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $980 | $980 | 2.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $509 | $509 | 1.47% |
| 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 | $407 | $0 | $407 | 6.23% |
| 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 | $270 | $0 | $270 | 4.13% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $969 | $194 | $1K | 18.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $188 | $188 | 2.97% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $75 | $75 | 1.19% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $667 | $133 | $800 | 18.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $121 | $121 | 2.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $63 | $63 | 1.47% |
| 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 | $10 | $0 | $10 | 6.17% |
| 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 | $7 | $0 | $7 | 4.32% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 737 | $65K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 49 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33 | $81K |
| Other(7 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.