| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 2.30% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 0.80% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, INC. | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 2.10% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 0.86% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $25K | — | $25K | 7.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $5K | — | $5K | 1.58% |
| DAVID A TETLEY3 | 13 SHETLAND ROAD FAIRFIELD, CT 06824 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $64K | — | $64K | 20.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 8.50% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $652 | $652 | 0.86% |
| DAVID A TETLEY3 | 135 SHETLAND ROAD FAIRFIELD, CT 06824 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $886 | — | $886 | 15.00% |
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 | 3,583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,689 | $333K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,245 | $851K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,239 | $615K |
| Other(4 contracts, 3 carriers) | EYEMED VISION CARE | 3,689 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,689 | — |
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.