| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CM SMITH AGENCY INC3 | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $63K | $0 | $63K | 8.10% |
| CM SMITH AGENCY INC3 | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| CM SMITH AGENCY INC3 | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.00% |
| CM SMITH AGENCY INC3 | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| CM SMITH AGENCY INC3 | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $542 | $2K | 24.26% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $505 | $2K | 24.41% |
| CM SMITH AGENCY INC3 | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $741 | $0 | $741 | 10.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $304 | $2K | 24.37% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C.M. SMITH AGENCY, INC | 100 PEARL STREET THIRD FLOOR, WEST HARTFORD, CT 06103 | METLIFE LEGAL PLANS | $601 | $10 | $611 | 10.17% |
| CM SMITH AGENCY INC3 Filed as: CM SMITH AGENCY, INC | 100 WESTERN BLVD. GLASTONBURY, CT 06103 | METLIFE LEGAL PLANS | $0 | $40 | $40 | 0.67% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: C M SMITH AGENCY | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA. | $586 | $0 | $586 | 9.99% |
| HP PLANNING LLC3 | 383 MAIN AVE STE 408 NORWALK, CT 068516403 | FEDERAL INSURANCE COMPANY | $196 | $15 | $211 | 16.18% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 430 | $773K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 452 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 460 | $101K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 430 | $773K |
| Other(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 452 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.