| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $0 | $6K | $6K | 0.11% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | 346 SHELBURNE ROAD PO BOX 1064 BURLINGTON, VT 054011064 | DELTA DENTAL PLAN OF VERMONT, INC. | $4K | $0 | $4K | 1.14% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | $0 | $2K | 0.63% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.45% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.02% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $3K | $12K | 12.81% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.17% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.96% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $898 | $898 | 1.23% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.82% |
| 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% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $445 | $445 | 1.17% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $443 | $3K | 12.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST., 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $185 | $185 | 0.84% |
| 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 | 962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,018 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 843 | $5.1M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 880 | $386K |
| Vision | BLUE CROSS AND BLUE SHIELD OF VERMONT | 843 | $5.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 863 | $177K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $92K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 843 | $5.1M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 863 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.