| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINN & STONE INSURANCE3 Filed as: FINN & STONE INC | 377 CENTER HILL RD PO BOX 1210 MANCHESTER CENTER, VT 052559798 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.61% |
| FINN & STONE INSURANCE3 Filed as: FINN & STONE, INC. | 377 CENTER HILL RD. MANCHESTER, VT 05255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.48% |
| FINN & STONE INSURANCE3 Filed as: FINN & STONE, INC. | 377 CENTER HILL RD. MANCHESTER, VT 05255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FINN & STONE INSURANCE3 Filed as: FINN & STINE, INC | 377 CENTER HILL RD. MANCHESTER, VT 05255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $420 | — | $420 | 10.01% |
| FINN & STONE INSURANCE3 Filed as: FINN & STONE, INC. | 377 CENTER HILL RD. MANCHESTER, VT 05255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | — | $110 | 15.05% |
| FINN & STONE INSURANCE3 Filed as: FINN & STONE, INC. | 377 CENTER HILL RD. MANCHESTER, VT 05255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $112 | — | $112 | 60.22% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $110K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $115K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $122K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.