| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | AETNA LIFE INSURANCE COMPANY | — | $120K | $120K | 4.19% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $36K | $74K | 28.77% |
| PROFESSIONAL PENSIONS INC5 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $13K | $13K | 5.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.81% |
| BOSTON INSURANCE EMPLOYEE BENEFITS5 Filed as: BOSTON INS. EMPLOYEE BEN. TRUST. | 18 RESEARCH PARKWAY, SUITE 1600 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 8.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $69 | $69 | 0.04% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN HALL INC. | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 6.50% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.11% |
| PHYLLIS DUNN3 Filed as: PHYLLIS DUNN AND MISC. AGENTS | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $67 | $2K | 2.69% |
| DAN HENRY SINGLEY III3 | 4268 SHARPSBURG DRIVE BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $0 | $497 | 0.56% |
| ROBERT TAYLOR GROUP INC3 Filed as: THE ROBERT TAYLOR GROUP | PO BOX 2018 LELAND, NC 28451 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 0.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $350 | $0 | $350 | 0.40% |
| STEPHANIE DECHRISTOFARO3 | 1225 BLACK OAK DRIVE MURFREESBORO, TN 37128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $0 | $315 | 0.36% |
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 | 200 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 372 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $157K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $157K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $258K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $258K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $258K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 372 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
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.