| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CM SMITH AGENCY INC3 | 100 PEARL STREET 3RD FLR WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $81K | $81K | 2.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $14K | $14K | 0.50% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 383 MAIN AVENUE, SUITE 408 NORWALK, CT 06851 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 0.12% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR- WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 8.26% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.92% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 204 STATE STREET NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.00% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $863 | $863 | 1.08% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR- WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.69% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 204 STATE ST NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.03% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR- WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $758 | $7K | 18.56% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD, STE 200 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 3.40% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 204 STATE ST NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.32% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $836 | $836 | 2.14% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 204 STATE ST NORTH HAVEN, CT 06473 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $0 | $455 | 2.38% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR- WEST TOWER HARTFORD, CT 06103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $0 | $328 | 1.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950 200 GALLERIA PKWY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $308 | $0 | $308 | 1.61% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $0 | $241 | 1.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 0.73% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.31% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 322-8 3659 GREEN RD BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6 | $6 | 0.03% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR- WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 21.18% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.7M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $80K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.