| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 2.20% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC | 100 PEARL STREET THIRD FLOOR - WEST TOWER HARTFORD, CT 06103 | TRIPLE S SALUD, INC. | $48K | — | $48K | 7.35% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC | 100 PEARL STREET THIRD FLOOR-WEST TOWER HARTFORD, CT 06103 | ELAN SOLUTIONS, INC. | $16K | — | $16K | 7.35% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL ST FL 3 HARTFORD, CT 061034510 | VISION SERVICE PLAN | $4K | — | $4K | 2.01% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 15.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC - BOR | 100 PEARL ST., 3RD FL. WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $305 | — | $305 | 2.34% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $766 | — | $766 | 18.00% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC. | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | — | $137 | $137 | — |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 79 | $870K |
| Dental(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 79 | $870K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 1,137 | $214K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,670 | $1.5M |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 1,670 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,670 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 79 | $870K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 956 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,670 | — |
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.