| 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. | $200K | $0 | $200K | 0.73% |
| BEACON PATH, INC.3 Filed as: BEACON RETIREE BENEFITS GROUP LLC | — | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $78K | $0 | $78K | 3.89% |
| C M SMITH AGENCY, INC.3 Filed as: C.M SMITH AGENCY, INC. | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $40K | $0 | $40K | 8.20% |
| C M SMITH AGENCY, INC.3 Filed as: C.M SMITH AGENCY, INC. | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 10.42% |
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 | 1,271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 580 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 2,774 | $29.3M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC | 3,110 | $1.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,693 | $152K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,178 | $493K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,271 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,110 | — |
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.