| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | EXCELLUS BC/BS | $91K | — | $91K | 3.22% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | AETNA | $7K | — | $7K | 4.05% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.74% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.58% |
| SMITH BROTHERS INSURANCE LLC Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.07% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | VISION SERVICE PLAN (VSP) | $978 | — | $978 | 5.96% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $697 | — | $697 | 9.99% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DR. GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $816 | — | $816 | 14.98% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BC/BS | 216 | $2.8M |
| Dental | AETNA | 541 | $167K |
| Vision | VISION SERVICE PLAN (VSP) | 210 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $108K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $44K |
| Other(2 contracts, 2 carriers) | MAGELLAN HEALTHCARE | 240 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.