| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | P.O. BOX 820 BRATTLEBORO, VT 05302 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $55K | $4K | $59K | 1.65% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.96% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.63% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $982 | $5K | 5.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.78% |
| JAMES T KINNEY3 | 1429 WARWICK AVENUE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.46% |
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | TRANSAMERICA LIFE INSURANCE COMPANY | $745 | — | $745 | 1.52% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $2K | — | $2K | 4.16% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.37% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | P.O. BOX 820 BRATTLEBORO, VT 05302 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 11.16% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $615 | — | $615 | 4.99% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $615 | — | $615 | 4.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $41 | — | $41 | 0.33% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 565 | $3.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 565 | $3.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 466 | $160K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 466 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 466 | $112K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 565 | $3.6M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 466 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.