| 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 | $101K | — | $101K | 3.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 5.00% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | DELTA DENTAL OF CT, INC. | $4K | — | $4K | 2.18% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | EYEMED | $393 | — | $393 | 3.21% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $357 | — | $357 | 14.99% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $3.4M |
| Dental | DELTA DENTAL OF CT, INC. | 284 | $165K |
| Vision | EYEMED | 185 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 140 | $190K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 140 | $190K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 140 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.