| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 346 SHELBURNE RD BURLINGTON, VT 05401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $120K | $45K | $166K | 10.08% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOCK & BOARDMAN FINANCIAL PL | 346 SHELBURNE RD BURLINGTON, VT 05401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 1.73% |
| ACRISURE LLC3 | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE | $17K | $12K | $29K | 3.30% |
| ACRISURE LLC3 | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE | $54K | $5K | $59K | 15.32% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOCK & BOARDMAN FINANCIAL PL | PO BOX 1064 BURLINGTON, VT 05401 | VISION SERVICE PLAN | $3K | $81 | $3K | 0.88% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE | $45K | $8K | $53K | 66.30% |
| ACRISURE LLC3 | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 13.31% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 34.90% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.46% |
| HICKOK & BOARDMAN FINANCIAL Filed as: HICKOK & BOARDMAN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ACRISURE LLC3 | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM INSURANCE COMPANY | $2K | $417 | $2K | 8.58% |
| HICKOK & BOARDMAN FINANCIAL Filed as: HICKOCK & BOARDMAN FINANCIAL PL | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $216 | — | $216 | 10.02% |
| ACRISURE LLC | 346 SHELBURNE RD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE | $233 | $20 | $253 | 16.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $760K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 | Contract Administrator Service code 13 | — | $26K |
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 | 1,403 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $44K |
| Vision | VISION SERVICE PLAN | 1,234 | $305K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE | 1,403 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE | 1,403 | $883K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,790 | $1.6M |
| Other(10 contracts, 5 carriers) | UNUM LIFE INSURANCE | 1,403 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,790 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.