| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 2.99% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 7.21% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 23 MAIDEN LN NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET 3RD FL W TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.89% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 23 MAIDEN LN NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $856 | — | $856 | 2.34% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $777 | $26 | $803 | 2.19% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON ST 3RD FL MERIDEN, CT 06450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175 | — | $175 | 0.48% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 0.20% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $537 | $5K | 16.75% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.02% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 23 MAIDEN LN NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $920 | — | $920 | 3.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $80 | $2K | 8.06% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 23 MAIDEN LN NORTH HAVEN, CT 06473 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $477 | — | $477 | 2.15% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 1.22% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON ST 3RD FL MERIDEN, CT 06450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.68% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH THOMAS CHRISTOPHER | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.29% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.7M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $113K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $60K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.