| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. LLC | 100 PEARL STREET 3RD FL WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $237K | $10K | $247K | 15.31% |
| C M SMITH AGENCY, INC.3 | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | HARTFORD LIFE & ACCIDENT | $79K | — | $79K | 15.81% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.80% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, INC | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | VISION SERVICE PLAN | $6K | — | $6K | 3.96% |
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 | 1,638 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,054 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 585 | $163K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,054 | $1.8M |
| Life insurance | HARTFORD LIFE & ACCIDENT | 1,638 | $497K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 1,638 | $497K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,054 | $1.6M |
| Other | HARTFORD LIFE & ACCIDENT | 1,638 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,054 | — |
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.
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.