| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $29K | $29K | 2.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $5K | $0 | $5K | 4.10% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $91 | $0 | $91 | 0.08% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, NH 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $557 | $7K | 9.52% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $925 | $0 | $925 | 5.71% |
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 | 296 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $1.5M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 271 | $120K |
| Vision | VISION SERVICE PLAN | 111 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $74K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 275 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.