| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $69K | $0 | $69K | 173.22% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY | 100 PEARL ST 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $451 | $0 | $451 | 2.02% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.28% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | METLIFE LEGAL PLANS | $806 | $103 | $909 | 10.60% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | $0 | $557 | 10.01% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA. | $460 | $0 | $460 | 10.00% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | FEDERAL INSURANCE COMPANY | $196 | $29 | $225 | 17.25% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 504 | $40K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $91K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $53K |
| Other(7 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 491 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.