| 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 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $16K | — | $16K | 3.99% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $8K | $8K | 1.99% |
| DAVID A TETLEY3 | 13 SHETLAND ROAD FAIRFIELD, CT 06824 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $44K | $959 | $44K | 15.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $31K | — | $31K | 10.97% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, INC. | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.00% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY LLC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 4.89% |
| DAVID A TETLEY3 | 135 SHETLAND ROAD FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.88% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3 FL WEST TOWER HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.14% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $25 | $709 | $734 | 2.07% |
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 | 2,571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,745 | $281K |
| Life insurance(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 2,571 | $714K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,571 | $166K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 2,571 | $575K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,032 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,032 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.