| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET 3RD FLOOR WEST TOWER HARTFORD, CT 06103 | ANTHEM HEALTH PLANS, INC | $4K | $0 | $4K | 4.47% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | ANTHEM HEALTH PLANS, INC | $0 | $1K | $1K | 1.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ANTHEM HEALTH PLANS, INC | $823 | $0 | $823 | 0.93% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET 3RD FLOOR HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD STE 102 ROCKY HILL, CT 060673927 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $391 | $391 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 433 SOUTH MAIN STREET WEST HARTFORD, CT 06110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $213 | $0 | $213 | 0.45% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET 3RD FLOOR HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BLVD STE 102 ROCKY HILL, CT 060673927 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $447 | $447 | 1.22% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET 3RD FLOOR HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $888 | $0 | $888 | 6.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BLVD STE 102 ROCKY HILL, CT 060673927 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $416 | $0 | $416 | 3.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $135 | $135 | 1.04% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS, INC | 111 | $88K |
| Vision | ANTHEM HEALTH PLANS, INC | 111 | $88K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $47K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.