| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF VERMONT | $25K | — | $25K | 1.30% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $6K | — | $6K | 4.25% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $129 | — | $129 | 0.09% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 1818 MARKET ST. SUITE 3232 PHILADELPHIA, PA 19103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 5.83% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF VERMONT | 296 | $1.9M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 331 | $141K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF VERMONT | 296 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $91K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $91K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF VERMONT | 296 | $1.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.