| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A TETLEY3 | 135 SHETLAND ROAD FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $97K | — | $97K | 6.50% |
| 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 | $5K | — | $5K | 0.37% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $31K | — | $31K | 9.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $109 | — | $109 | 7.22% |
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(2 contracts) | EYEMED VISION CARE | 3,904 | $343K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,453 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,453 | $1.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,926 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,926 | — |
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.