| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.94% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.14% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | — | $898 | $898 | 4.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.63% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $0 | $487 | $487 | 4.00% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.28% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | $0 | $456 | $456 | 4.00% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $61 | — | $61 | 2.53% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06405 | STANDARD INSURANCE COMPANY | — | $54 | $54 | 2.24% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 76 | $75K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 154 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 100 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.