| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 6.36% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 2.76% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.27% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.95% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $8K | 19.78% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 3.02% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $30 | $10 | $40 | 0.10% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | VISION SERVICE PLAN | $592 | — | $592 | 8.69% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $310 | — | $310 | 10.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $124 | $124 | 4.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | CIGNA DENTAL HEALTH OF FLORIDA | $45 | — | $45 | 10.04% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF FLORIDA | — | $18 | $18 | 4.02% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $542K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $58K |
| Vision | VISION SERVICE PLAN | 62 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 114 | $42K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 114 | $42K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 114 | $42K |
| Other | HARTFORD LIFE AND ACCIDENT | 114 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.