| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $12K | $18K | 10.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $5K | $12K | 6.99% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE, SUITE 2 GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.07% |
| BOSTON INSURANCE EMPLOYEE BENEFITS5 | 18 RESEARCH PARKWAY, SUITE 1600 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.55% |
| PROFESSIONAL PENSION INC.3 Filed as: PROFESSIONAL PENSION, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.06% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 7.20% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.56% |
| DAVID G BAKER3 Filed as: DAVID M. STEELE AND OTHER AGENTS | 1020 REDBANKS ROAD GREENVILLE, NC 27858 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $56 | $4K | 2.97% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $768 | $0 | $768 | 0.62% |
| PHYLISS DUNN3 | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $676 | $46 | $722 | 0.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $518 | $0 | $518 | 0.42% |
| ROBERT TAYLOR GROUP INC3 Filed as: THE ROBERT TAYLOR GROUP | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $516 | $0 | $516 | 0.42% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 443 | $723K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $144K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $144K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $173K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $173K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $173K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 443 | $723K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.