| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $145K | $0 | $145K | 8.43% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $11K | $25K | 8.70% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | VISION SERVICE PLAN | $7K | $0 | $7K | 4.80% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.35% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.99% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | METLIFE LEGAL PLANS, INC. | $7K | $782 | $8K | 10.03% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $31K | $964 | $32K | 46.94% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $13K | $831 | $14K | 20.70% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $23K | $753 | $23K | 43.41% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $10K | $645 | $10K | 19.20% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $32K | $1K | $34K | 64.23% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $14K | $934 | $15K | 28.37% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $26K | $862 | $27K | 64.55% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 23.21% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 2.49% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY INC | 100 PEARL STREET THIRD FLOOR, WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 8.41% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | FIRST UNUM LIFE INSURANCE COMPANY | $675 | $0 | $675 | 62.50% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | FIRST UNUM LIFE INSURANCE COMPANY | $275 | $0 | $275 | 25.46% |
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 | 1,370 | 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) | 1,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 10 | $18K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 444 | $98K |
| Vision | VISION SERVICE PLAN | 1,092 | $152K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,370 | $328K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,370 | $285K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 10 | $18K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,186 | $1.7M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,370 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,186 | — |
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.