| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $4K | $4K | 0.23% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLAN & GRP | BENEFITS INC 346 SHELBURNE ROAD, PO BOX 1064 BURLINGTON, VT 05401 | DELTA DENTAL PLAN OF VERMONT, INC. | $5K | — | $5K | 5.02% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $894 | — | $894 | 0.84% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.10% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $489 | — | $489 | 2.06% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.31% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $436 | — | $436 | 2.02% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | VISION SERVICE PLAN | $939 | — | $939 | 4.67% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 89 | $1.6M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 271 | $106K |
| Vision | VISION SERVICE PLAN | 97 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 107 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 107 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.