| 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 | CONNECTICARE, INC. | $27K | $0 | $27K | 1.71% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS INC | 20 BATTERSON PARK ROAD STE 120 FARMINGTON, CT 06032 | CONNECTICARE, INC. | $23K | $0 | $23K | 1.43% |
| WDK BENEFITS, LLC3 Filed as: WDK BENEFITS LLC | 20 BATTERSON PARK ROAD STE 120 FARMINGTON, CT 06032 | ANTHEM HEALTH PLANS, INC | $3K | $0 | $3K | 3.20% |
| 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 | $2K | $0 | $2K | 2.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | ANTHEM HEALTH PLANS, INC | $0 | $1K | $1K | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 433 SOUTH MAIN STREET WEST HARTFORD, CT 06110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $417 | $2K | 6.60% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET 3RD FLOOR 3RD FLOOR HARTFORD, CT 06032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 433 SOUTH MAIN STREET WEST HARTFORD, CT 06110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $940 | $211 | $1K | 6.24% |
| 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 | $905 | $0 | $905 | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 433 SOUTH MAIN STREET WEST HARTFORD, CT 06110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $446 | $100 | $546 | 6.47% |
| 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 | $398 | $0 | $398 | 4.71% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | 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 |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 154 | $1.6M |
| Dental | ANTHEM HEALTH PLANS, INC | 190 | $89K |
| Vision | ANTHEM HEALTH PLANS, INC | 190 | $89K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $18K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.