| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 WESTERN BLVD. GLASTONBURY, CT 06033 | CONNECTICARE, INC. | $0 | $261K | $261K | 1.27% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | DELTA DENTAL INSURANCE COMPANY | $14K | $0 | $14K | 1.22% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 2.38% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 7.72% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | $0 | $599 | 15.01% |
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 | 1,591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 385 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 2,847 | $20.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,394 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,573 | $417K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,573 | $417K |
| Prescription drug | CONNECTICARE, INC. | 2,847 | $20.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,777 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,847 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.