| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 | 100 WESTERN BLVD GLASTONBURY, CT 06033 | CONNECTICARE, INC. | $279K | — | $279K | 1.27% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | DELTA DENTAL OF CONNECTICUT, INC. | $13K | — | $13K | 1.18% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 7.16% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 2.89% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 7.96% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.02% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | — | $599 | 15.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $160 | $160 | 4.01% |
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 | 1,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 693 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 2,894 | $22.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT, INC. | 1,394 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,574 | $134K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,148 | $226K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,173 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,894 | — |
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.