| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLACE SUITE 600 NEW YORK, NY 10004 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.64% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET. 3RD FLOOR, WEST TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.19% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.51% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET WEST TOWER HARTFOED, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.59% |
| TETLEY, DAVID A3 | 135 SHETLAND ROAD FAIRFIELD, CT 06824 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $0 | $34K | 20.00% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA NEW YORK, NY 10004 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $10K | $0 | $10K | 6.15% |
| AON CONSULTING INC3 Filed as: CAMMACK HEALTH LLC, AN AON COMPANY | 199 WATER STREET 9TH FLOOR NEW YORK, NY 10038 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $6K | $0 | $6K | 3.85% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA SUITE 600 NEW YORK, NY 10004 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.14% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY, INC. | 100 PEARL STREET. WEST TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| TETLEY, DAVID A3 | 135 SHETLAND ROAD FAIRFIELD, CT 06430 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $517 | $0 | $517 | 13.59% |
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 | 2,433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | 3,143 | $164K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,785 | $569K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,785 | $438K |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,143 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,143 | — |
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.