| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | 48 HARRIS PLACE P.O. BOX 820 BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $7K | — | $7K | 3.11% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 0.74% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.25% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 16.58% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $2K | — | $2K | 9.02% |
| MARY JEAN EGGLEFIELD3 | 107 SUMMIT CIRCLE SHELBURNE, VT 05482 | AFLAC | $1K | $44 | $1K | 7.21% |
| LINDA DELONG3 Filed as: LINDA J DELONG | 150A ANDOVER STREET SUITE 12C DANVERS, MA 01923 | AFLAC | $226 | — | $226 | 1.33% |
| TEENA FOSTER3 Filed as: TEENA F FOSTER | 69 PAINT WORKS ROAD BRANDON, VT 05733 | AFLAC | $188 | $2 | $190 | 1.11% |
| COLIN J FUCCI3 | P.O. BOX 1 ST. JOHNSBURY, VT 05819 | AFLAC | $85 | — | $85 | 0.50% |
| AMIDON & ASSOCIATES INC3 Filed as: AMIDON & ASSOCIATES INC. | 160 BENMONT AVENUE SUITE 203 BENNINGTON, VT 05201 | AFLAC | $72 | $9 | $81 | 0.48% |
| TEENA FOSTER3 | 69 PAINT WORKS ROAD BRANDON, VT 05733 | AFLAC | $37 | $6 | $43 | 0.25% |
| MICHAEL ZELLMAN3 | 1826 SOUTH CARLISLE STREET PHILADELPHIA, PA 19145 | AFLAC | $40 | — | $40 | 0.23% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $39 | — | $39 | 0.23% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $32 | — | $32 | 0.19% |
| EILEEN R HUBER3 | 301 MIDDLE WINCHENDON ROAD RINDGE, NH 03461 | AFLAC | $30 | — | $30 | 0.18% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $27 | — | $27 | 0.16% |
| RANDOLPH A SMITH3 | 64 KRISTE LANE JERICHO, VT 05465 | AFLAC | $27 | — | $27 | 0.16% |
| SUSAN CHILLE3 | 12 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $20 | — | $20 | 0.12% |
| SHEILA M VAN STEAMBURG GEBO3 | 29 BROADVIEW ESTATES BRISTOL, VT 05443 | AFLAC | $19 | — | $19 | 0.11% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $19 | — | $19 | 0.11% |
| MICHAEL G. JARVIS3 Filed as: MICHAEL G JARVIS | 8 WOODS END DRIVE ESSEX JUNCTION, VT 05452 | AFLAC | $14 | — | $14 | 0.08% |
| CHRISTOPHER J HUNGERFORD3 | 28 BEVERLY COURT SAINT ALBANS, VT 05478 | AFLAC | $14 | — | $14 | 0.08% |
| SARAH HUNT3 Filed as: SARAH F HUNT | 320 LAKE DRIVE NORTH BENNINGTON, VT 05257 | AFLAC | $12 | — | $12 | 0.07% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BOULEVARD WEST LATHAM, NY 12110 | AFLAC | $12 | — | $12 | 0.07% |
| MELTON & ASSOCIATES INC3 Filed as: MELTON & ASSOCIATES INC. | P.O. BOX 336 SUITE 525 SMITHS STATION, AL 36877 | AFLAC | $11 | — | $11 | 0.06% |
| SUSAN C BRIMHALL3 | P.O. BOX 336 SMITHS STATION, AL 36877 | AFLAC | $10 | — | $10 | 0.06% |
| FRED K HUBER3 | 301 MIDDLE WINCHENDON ROAD RINDGE, NH 03461 | AFLAC | $10 | — | $10 | 0.06% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $8 | — | $8 | 0.05% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $8 | — | $8 | 0.05% |
| STACIE ALTMAN-PECK3 | 3209 STATE STREET CALEDONIA, NY 14423 | AFLAC | $7 | — | $7 | 0.04% |
| KELLY A IRVINE3 Filed as: KELLY ANN IRVINE | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $6 | — | $6 | 0.04% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | AFLAC | $5 | — | $5 | 0.03% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID B PERLEE3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.02% |
| RUSSELL T BARRETT3 | 10 AZALEA DRIVE SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | — | $3 | 0.02% |
| LARRY J GOLD3 | 411 MEADOW LAKE DRIVE RUTLAND, VT 05701 | AFLAC | $2 | — | $2 | 0.01% |
| DANA E ERO3 | 5 PINE WEST PLAZA SUITE 503 ALBANY, NY 12205 | AFLAC | $2 | — | $2 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHEN M KUCENSKI3 | 3214 GRAY STREET READING, PA 19605 | AFLAC | $2 | — | $2 | 0.01% |
| IRMA MATILDE WOODARD3 Filed as: IRMA MATILDA WOODARD | 7684 STATE ROUTE 66 AVERILL PARL, NY 12018 | AFLAC | $2 | — | $2 | 0.01% |
| EDWARD R FLANAGAN3 | 241 CARLEN STREET MANCHESTER CENTER, VT 05255 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS FLORES3 | 1054 GATEWAY BOULEVARD SUITE 107 BOYNTON BEACH, FL 33426 | AFLAC | $2 | — | $2 | 0.01% |
| MARGARET E LOCHNER3 | 365 WALLOOMSAC ROAD BENNINGTON, VT 05201 | AFLAC | $1 | — | $1 | 0.01% |
| DEE W SLATER3 | 6847 WELLSLEY COURT CLEMMONS, NC 27012 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN MARCUS HOPKINS3 | 725 KNOLLWOOD LANE SAN DIMAS, CA 91773 | AFLAC | $1 | — | $1 | 0.01% |
| JENNIFER L HENRY3 | 68 MASSABESIC DRIVE AUBURN, NH 03032 | AFLAC | $1 | — | $1 | 0.01% |
| MELISSA NELSON3 | 49 BIRCHWOOD DRIVE ALLENSTOWN, NH 03275 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIAM F ELLIOTT3 | 15 MAIN STREET APARTMENT 6 SWANZEY, NH 03446 | AFLAC | $1 | — | $1 | 0.01% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $457 | — | $457 | 19.98% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $210 | — | $210 | 20.00% |
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 572 | $211K |
| Vision | VISION SERVICE PLAN | 85 | $21K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 452 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 452 | $58K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 452 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.