| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 | 100 WESTERN BLVD GLASTONBURY, CT 06033 | CONNECTICARE, INC. | — | $220K | $220K | 0.98% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 2.04% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | DELTA DENTAL OF CONNECTICUT, INC. | $12K | — | $12K | 1.22% |
| 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 | $20K | — | $20K | 8.19% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| 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 | $15K | — | $15K | 10.42% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | — | $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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 319 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 2,979 | $23.8M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 3,298 | $1.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,635 | $139K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,172 | $240K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,172 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,298 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.