| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $2K | $761 | $2K | 3.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 255 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $3K | $456 | $3K | 12.28% |
| 1325 SHELBURNE ROAD3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $596 | — | $596 | 2.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 29.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 255 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $1K | $249 | $1K | 9.59% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $204 | — | $204 | 1.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $711 | $377 | $1K | 14.13% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $160 | — | $160 | 2.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 225 NE MIZNER BOULEVARD, SUITE 675 BOCA RATON, FL 33432 | STANDARD INSURANCE COMPANY | $79 | $61 | $140 | 3.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF VT EIN 03-0277307 CONTRACT ADM | Insurance services; Claims processing; Contract Administrator Service code 12 | — | $80K |
| CROSS BENEFIT SOLUTIONS BROKER | Insurance brokerage commissions and fees Service code 53 | 1233 SHELBURNE ROAD C-2A SOUTH BURLINGTON, VT 05403 | $30K |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 109 | $65K |
| Vision | STANDARD INSURANCE COMPANY | 109 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 147 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY | 24 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 147 | $27K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 177 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.