| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | 346 SHELBURNE ROAD PO BOX 1064 BURLINGTON, VT 054011064 | DELTA DENTAL PLAN OF VERMONT, INC. | $21K | $0 | $21K | 6.00% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | $0 | $2K | 0.62% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.57% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.51% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $864 | $8K | 10.88% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $506 | $4K | 11.42% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST., 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $263 | $2K | 11.78% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST., 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $739 | $0 | $739 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 899 | $4.4M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 893 | $354K |
| Vision | BLUE CROSS AND BLUE SHIELD OF VERMONT | 899 | $4.4M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 673 | $164K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $87K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 899 | $4.4M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 673 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.