| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $0 | $11K | $11K | 0.18% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLAN | 346 SHELBURNE ROAD PO BOX 1064 BURLINGTON, VT 054011064 | DELTA DENTAL PLAN OF VERMONT, INC. | $18K | $0 | $18K | 4.86% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | $0 | $2K | 0.68% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.61% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $11K | 11.37% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.53% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $620 | $6K | 16.64% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $289 | $3K | 16.80% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $221 | $2K | 16.80% |
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 | 1,026 | 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) | 1,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 777 | $6.1M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 771 | $368K |
| Vision | BLUE CROSS AND BLUE SHIELD OF VERMONT | 777 | $6.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,018 | $176K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $94K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 777 | $6.1M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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.