Welfare broker

C M SMITH AGENCY, INC.

Mailing address (most recent filing)

100 PEARL STREET 3RD FLOOR

HARTFORD, CT 06103

Total comp: $2.3M
Commissions: $1.6M
Fees: $734K
Filings: 42
Sponsors: 42

Carrier mix

Where C M SMITH AGENCY, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY31.3%
HARTFORD LIFE AND ACCIDENT12.5%
LIFE INSURANCE COMPANY OF NORTH AMERICA12.5%
CIGNA HEALTH AND LIFE INSURANCE COMPANY12.5%
RELIANCE STANDARD LIFE INSURANCE COMPANY6.3%
UNIMERICA INSURANCE COMPANY6.3%
BLUE CROSS OF CALIFORNIA6.3%
ANTHEM LIFE INSURANCE COMPANY6.3%
Other (1)6.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	5	$18.1M	31.3%
HARTFORD LIFE AND ACCIDENT	2	$1.2M	12.5%
LIFE INSURANCE COMPANY OF NORTH AMERICA	2	$1.1M	12.5%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	2	$4.7M	12.5%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$135K	6.3%
UNIMERICA INSURANCE COMPANY	1	$31.0M	6.3%
BLUE CROSS OF CALIFORNIA	1	$12.9M	6.3%
ANTHEM LIFE INSURANCE COMPANY	1	$186K	6.3%
AETNA LIFE INSURANCE COMPANY	1	$11.2M	6.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
CT	11	$45.1M	1.0%	71.31x
IL	2	$23.4M	0.0%	3.56x
RI	1	$411K	0.3%	24.99x
ME	1	$271K	0.3%	18.52x
MA	1	$11.2M	0.0%	2.89x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of C M SMITH AGENCY, INC.'s plans by broker comp / premium ratio. Median 4.72% vs welfare-wide median 6.29% (n=16).

Prospect-flag exposure · vs market baseline

Share of C M SMITH AGENCY, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-16 of 16 sponsors where C M SMITH AGENCY, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
QUEST GLOBAL SERVICES N.A., INC. QUEST GLOBAL SERVICES N.A., INC. HEALTH & WELFARE PLAN	CT	$3.2M	$375K	UNITEDHEALTHCARE INSURANCE COMPANY
H. N. S. MANAGEMENT COMPANY INC. H. N. S. MANAGEMENT COMPANY, INC. EMPLOYEE BENEFITS PLAN	CT	$31.0M	$334K	CONNECTICARE, INC.
ALERA GROUP, INC. ALERA GROUP, INC. WELFARE BENEFITS PLAN	IL	$12.9M	$327K	PREMERA BLUE CROSS
HOLLISTER WHITNEY ELEVATOR CO. LLC HOLLISTER WHITNEY ELEVATOR CO LLC WELFARE BENEFITS PLAN	IL	$10.6M	$311K	UNITEDHEALTHCARE INSURANCE COMPANY
DAY KIMBALL HOSPITAL DAY KIMBALL HOSPITAL EMPLOYEE HEALTH PLAN	CT	$678K	$119K	LIFE INSURANCE COMPANY OF NORTH AMERICA
CANTOR COLBURN LLP CANTOR COLBURN, LLP	CT	$2.9M	$112K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
FINANCIAL ACCOUNTING FOUNDATION FINANCIAL ACCOUNTING FOUNDATION WELFARE PLAN	CT	$3.7M	$104K	UNITEDHEALTHCARE INSURANCE COMPANY
TOMRA OF NORTH AMERICA TOMRA OF NORTH AMERICA FLEXIBLE COMPENSATION PLAN	CT	$385K	$104K	LIFE INSURANCE COMPANY OF NORTH AMERICA
ETHAN ALLEN GLOBAL,INC ETHAN ALLEN EMPLOYEE WELFARE PLAN	CT	$1.8M	$100K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
THE RISE GROUP THE RISE GROUP WELFARE PLAN	RI	$411K	$85K	UNITEDHEALTHCARE INSURANCE COMPANY
CENTERLINE COMMUNICATIONS, LLC CENTERLINE COMMUNICATIONS, LLC HEALTH AND WELFARE BENEFITS PLAN	MA	$11.2M	$82K	AETNA LIFE INSURANCE CO.
CARRIER GROUP BENEFITS LLC CARRIER GROUP BENEFITS LLC HEALTH AND WELFARE BENEFIT PLAN	ME	$271K	$42K	UNITEDHEALTHCARE INSURANCE COMPANY
ADVANCED BEHAVIORAL HEALTH, INC. ADVANCED BEHAVIORAL HEALTH WELFARE PLAN	CT	$186K	$17K	ANTHEM HEALTH PLANS, INC
ULBRICH STAINLESS STEELS & SPECIAL METALS, INC ULBRICH STAINLESS STEELS & SPECIAL METALS, INC LTD PLAN	CT	$135K	$10K	RELIANCE STANDARD LIFE INSURANCE COMPANY
AQR CAPITAL MANAGEMENT LLC AQR CAPITAL MANAGEMENT, LLC EMPLOYEE BENEFIT PLAN	CT	$556K	$9K	HARTFORD LIFE AND ACCIDENT
LATICRETE INTERNATIONAL, INC. LATICRETE INTERNATIONAL, INC. WELFARE BENEFIT PLAN	CT	$598K	$4K	HARTFORD LIFE AND ACCIDENT