| 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 | $99K | $0 | $99K | 4.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 3.62% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $10K | $30K | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $7K | $0 | $7K | 3.77% |
| 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 | $3K | $0 | $3K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.10% |
| 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 | $3K | $0 | $3K | 2.03% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $30K | $1K | $31K | 32.03% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $13K | $897 | $14K | 14.19% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $11K | $444 | $12K | 12.97% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $5K | $393 | $5K | 5.78% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $22K | $827 | $23K | 27.64% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM INSURANCE COMPANY | $9K | $724 | $10K | 12.30% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $33K | $4K | $37K | 46.89% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 14.22% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM-PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 3.24% |
| 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. | $8K | $1K | $9K | 12.36% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGENCY | LLC SUITE 210 BATON ROUGE, LA 70809 | UNUM-FIRST UNUM LIFE INSURANCE COMPANY | $352 | $0 | $352 | 22.78% |
| HP PLANNING LLC3 | SUITE 502 535 CONNECTICUT AVE NORWALK, CT 06854 | UNUM-FIRST UNUM LIFE INSURANCE COMPANY | $131 | $0 | $131 | 8.48% |
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 | 1,859 | 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) | 1,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 710 | $170K |
| Vision | VISION SERVICE PLAN | 1,318 | $179K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,859 | $436K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,859 | $355K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,714 | $2.0M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,859 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,714 | — |
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.