| 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 | CONNECTICARE, INC. | — | $30K | $30K | 4.82% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CONNECTICARE, INC. | — | $3K | $3K | 0.54% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | AETNA | $3K | — | $3K | 8.33% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE SUITE 2 GLASTONBURY, CT 06033 | HARTFORD LIFE AND ACCIDENT | $4K | $302 | $5K | 14.26% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CA 06492 | HARTFORD LIFE AND ACCIDENT | $337 | — | $337 | 1.06% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS | — | AETNA | — | $744 | $744 | 6.80% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS | — | AETNA | — | $744 | $744 | 6.80% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | VISION SERVICE PLAN | $553 | — | $553 | 9.13% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 116 | $615K |
| Dental(3 contracts) | AETNA | 100 | $56K |
| Vision | VISION SERVICE PLAN | 64 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 86 | $32K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 86 | $32K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 86 | $32K |
| Other | HARTFORD LIFE AND ACCIDENT | 86 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.