| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $32K | $0 | $32K | 2.22% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $8K | $0 | $8K | 0.56% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $46 | $0 | $46 | 0.00% |
| E&S INSURANCE SERVICES LLC3 Filed as: E AND S INSURANCE SERVICES, LLC | PO BOX 7425 GILFORD, NH 03247 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $7K | $0 | $7K | 6.94% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $437 | $0 | $437 | 0.45% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | SYMETRA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.63% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | HUMANA INSURANCE COMPANY | $468 | $0 | $468 | 9.94% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 232 | $1.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 204 | $98K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $5K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 138 | $46K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 138 | $46K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 232 | $1.5M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 139 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.