| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | $0 | $3K | 0.46% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 8.64% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FNCL SVCS | PO BOX 1064 BURLINGTON, VT 054021064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $900 | $0 | $900 | 0.93% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 10.80% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FNCL SVCS | PO BOX 1064 BURLINGTON, VT 054021064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $512 | $0 | $512 | 0.68% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 9.81% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FNCL SVCS | PO BOX 1064 BURLINGTON, VT 054021064 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $818 | $0 | $818 | 1.32% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FNCL PLANNING | 346 SHELBURNE ROAD BURLINGTON, VT 05401 | EYEMED ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.13% |
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 | 1,508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 1,375 | $583K |
| Vision | EYEMED ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 276 | $20K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,145 | $128K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,145 | $220K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,145 | $167K |
| Stop-loss / reinsurancereinsurance | BCS FINANCIAL CORPORATION | 1,474 | $449K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,145 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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.