| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | 346 SHELBURNE ROAD BURLINGTON, VT 05402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $38K | $0 | $38K | 6.74% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | 346 SHELBURNE RD., 5TH FLOOR PO BOX 1064 BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $23K | 11.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS., INC. | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 13.94% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN HR INTELLIGENCE | PO BOX 1064 BURLINGTON, VT 054021064 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.70% |
| BERG, CARMOLLI, & KENT3 | 83 WASHINGTON STREET PO BOX 628 BARRE, VT 05641 | HARTFORD LIFE AND ACCIDENT | $317 | $0 | $317 | 15.00% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 256 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $208K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $208K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 571 | $570K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.