| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98402 | PREMERA BLUE CROSS | — | $28K | $28K | 0.41% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $28K | $50K | 2.54% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL STREET FL 3 WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC. | $65K | — | $65K | 5.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $20K | $26K | 2.28% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 4.58% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM INSURANCE COMPANY | $16K | $8K | $24K | 6.19% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | UNUM INSURANCE COMPANY | — | $6K | $6K | 1.60% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH KENNETH C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $3K | $29K | 21.67% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA GROUP | 1850 MT DIABLO BLVD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $3K | $22K | 16.25% |
| GCG FINANCIAL LLC3 Filed as: TIPPETT MOORHEAD & HADEN AN ALERA | 3200 PARK CENTER DR STE 550 COSTA MESA, CA 92626 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 14.35% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP AN ALERA GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $944 | $8K | 6.02% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 2.16% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH KENNETH C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $419 | $4K | 15.70% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA GROUP | 1850 MT DIABLO BLVD STE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $314 | $3K | 11.77% |
| GCG FINANCIAL LLC3 Filed as: TIPPETT MOORHEAD & HADEN AN ALERA | 3200 PARK CENTER DRIVE SUITE 550 COSTA MESA, CA 92626 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 10.40% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP AN ALERA GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $881 | $116 | $997 | 4.36% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $494 | $494 | 2.16% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 60015 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA GROUP | 1850 MT DIABLO BLVD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $894 | $849 | $2K | 24.56% |
| GCG FINANCIAL LLC3 Filed as: TIPPETT MOORHEAD & HADEN AN ALERA | 3200 PARK CENTER DR STE 550 COSTA MESA, CA 94626 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $894 | $731 | $2K | 22.90% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH KENNETH C | 3224 LANIER DRIVE ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $157 | $1K | 19.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NATIONAL | 375 NORTHRIDGE RD STE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $974 | $974 | 13.73% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP AN ALERA GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $314 | $645 | 9.09% |
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 | 4,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | PREMERA BLUE CROSS | 930 | $8.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 382 | $70K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,290 | $3.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,290 | $2.0M |
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,290 | $2.1M |
| Prescription drug | PREMERA BLUE CROSS | 930 | $6.8M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,850 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,850 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.