| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | UNITED HEALTHCARE INSURANCE COMPANY | $102K | $7K | $109K | 4.24% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 8.51% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $2K | — | $2K | 9.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED VISION CARE | $81 | — | $81 | 0.48% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $2.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $2.6M |
| Vision | EYEMED VISION CARE | 192 | $17K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 117 | $142K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 117 | $142K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 117 | $142K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 117 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.