| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | HARVARD PILGRIM HEALTH CARE | $26K | $0 | $26K | 6.49% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | UNKNOWN COLCHESTER, CT 06415 | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 1.60% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE E GLASTONBURY, CT 06033 | HPHC INSURANCE COMPANY | $13K | $0 | $13K | 6.58% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | UNKNOWN COLCHESTER, CT 06415 | HPHC INSURANCE COMPANY | $3K | $0 | $3K | 1.62% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE E GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.52% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.59% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | AETNA | $0 | $3K | $3K | 5.97% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURTITY LIFE INSURANCE CO. | $698 | $0 | $698 | 11.43% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 80 | $608K |
| Dental | AETNA | 84 | $44K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURTITY LIFE INSURANCE CO. | 66 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $52K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $52K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 80 | $608K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.