| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 8.85% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 12.07% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE CO. | $204 | — | $204 | 0.81% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE CO. | $126 | — | $126 | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $69K |
| C M SMITH AGENCY AGENT | Insurance agents and brokers Service code 22 | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | $60K |
| BOBROW & COMPANY, P.C. AUDITOR/ACCOUNTANT | Accounting (including auditing) Service code 10 | TWO BRIDGEWATER ROAD FARMINGTON, CT 06032 | $25K |
| THE SCHUSTER GROUP AGENT | Insurance agents and brokers Service code 22 | 135 SOUTH ROAD FARMINGTON, CT 06032 | $6K |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 165 | $42K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 80 | $25K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 124 | $334K |
| Other | AETNA LIFE INSURANCE CO. | 165 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.