| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | EXCELLUS BLUE CROSS BLUE SHIELD | $75K | — | $75K | 2.58% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.77% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $463 | $4K | 5.44% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.50% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $348 | $4K | 6.43% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.59% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $223 | $4K | 10.37% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.59% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $76 | $2K | 9.45% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 4.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | VISION SERVICE PLAN (VSP) | $952 | — | $952 | 6.09% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $791 | $28 | $819 | 15.53% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $242 | $242 | 4.59% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 199 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 562 | $159K |
| Vision | VISION SERVICE PLAN (VSP) | 195 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $78K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $41K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.