| 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 FL 3W HARTFORD, CT 061034513 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 2.01% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE # 502 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.18% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET 3RD FL HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $11K | $2K | $13K | 5.92% |
| C M SMITH AGENCY, INC.3 Filed as: C.M. SMITH AGENCY LLC | 100 PEARL STREET THIRD FLOOR WEST TOWER HARTFORD, CT 06103 | DELTA DENTAL OF CONNECTICUT, INC | $4K | $0 | $4K | 2.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $264 | $0 | $264 | 1.93% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, LLC | 100 PEARL ST., 3RD FL W TOWER HARTFORD, CT 06103 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $140 | $0 | $140 | 1.02% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL STREET 3RD FL HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $357 | $24 | $381 | 15.99% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 310 | $3.2M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC | 288 | $175K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 208 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 152 | $214K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $214K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 152 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.