| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | PO BOX 820 BRATTLEBORO, VT 05302 | MATTHEW THORNTON HEALTH PLAN, INC. | $28K | $0 | $28K | 0.86% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | MATTHEW THORNTON HEALTH PLAN, INC. | $28K | $0 | $28K | 0.84% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $13K | $24K | 10.49% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | PO BOX 820 BRATTLEBORO, VT 05302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.89% |
| T2B SOLUTIONS INC.5 Filed as: T2B SOLUTIONS, LLC | PO BOX 43 INDIANOLA, IA 50125 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.94% |
| EBENEFIT MARKETPLACE, LLC5 | 204 STATE STREET NORTH HAVEN, CT 06473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.55% |
| ROBERT G. RELPH AGENCY, INC.3 | 800 PARKER HILL DRIVE, SUITE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.65% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.62% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 338 | $3.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 298 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $230K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $230K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $230K |
| Prescription drug | MATTHEW THORNTON HEALTH PLAN, INC. | 338 | $3.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.