| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH AGENCY, INC. | 100 PEARL STREET HARTFORD, CT 06106 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 8.47% |
| ROGERS BENEFIT GROUP INC3 | 1 FOREST PARK DRIVE FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 4.61% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY LLC | 100 PEARL ST FL 3W HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 7.50% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY, LLC | 100 PEARL ST 3RD FL WEST TOWER HARTFORD, CT 06103 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.09% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $853 | — | $853 | 1.00% |
| C M SMITH AGENCY, INC.3 Filed as: C M SMITH AGENCY INC. | 100 PEARL ST. 3RD FL WEST TOWER HARTFORD, CT 06103 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 5.47% |
| 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 | $3K | — | $3K | 15.16% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $664K |
| Dental | DELTA DENTAL PLAN OF MAINE | 245 | $86K |
| Vision | VISION SERVICE PLAN | 122 | $18K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $278K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $278K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $278K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.