| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $16K | — | $16K | 1.53% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY INC. | 100 PEARL STREET 3RD FLR WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $42K | $42K | 5.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. | 100 PEARL STREET HARTFORD, CT 06103 | AETNA LIFE INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, INC. | 100 PEARL ST FL 3 HARTFORD, CT 061034510 | VISION SERVICE PLAN | $4K | — | $4K | 1.96% |
| 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 | $19K | — | $19K | 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 | $490 | — | $490 | 1.95% |
| 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 | $1K | — | $1K | 14.99% |
| 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 | $765 | — | $765 | 18.00% |
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 | 940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 71 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 71 | $451K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,436 | $695K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,702 | $1.8M |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,702 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,702 | $1.0M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 940 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,702 | — |
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."
No prospect flags tripped on this filing.