| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | AETNA LIFE INSURANCE COMPANY | $0 | $116K | $116K | 3.84% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $17K | $54K | 22.03% |
| PROFESSIONAL PENSIONS INC5 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.12% |
| BOSTON INSURANCE EMPLOYEE BENEFITS5 Filed as: BOSTON INS. EMPLOYEE BENEFITS TRUST | 18 RESEARCH PARKWAY, SUITE 1600 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 8.00% |
| COBBS ALLEN & HALL INC3 | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 6.48% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.14% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AND OTHER AGENTS | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $225 | $3K | 3.08% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.97% |
| DAN SINGLEY3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $0 | $598 | 0.56% |
| PHYLLIS DUNN3 | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $449 | $1 | $450 | 0.42% |
| ROBERT TAYLOR GROUP INC3 Filed as: THE ROBERT TAYLOR GROUP | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $427 | $0 | $427 | 0.40% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 414 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $164K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $164K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $243K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $243K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $243K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 414 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.