| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLAN | 346 SHELBURNE ROAD PO BOX 1064 BURLINGTON, VT 05401 | DELTA DENTAL PLAN OF VERMONT, INC. | $15K | $0 | $15K | 3.73% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | $0 | $3K | 0.65% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.34% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.12% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.60% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.34% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.58% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $910 | $910 | 1.32% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $569 | $5K | 11.38% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.61% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $474 | $474 | 1.15% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $332 | $2K | 12.13% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $885 | $0 | $885 | 4.60% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $277 | $277 | 1.44% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $457 | $457 | 3.10% |
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 | 1,040 | 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) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 801 | $5.9M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 819 | $394K |
| Vision | BLUE CROSS AND BLUE SHIELD OF VERMONT | 801 | $5.9M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 947 | $186K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $86K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 801 | $5.9M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 947 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.