| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $8K | $0 | $8K | 2.98% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $405 | $14K | 13.26% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $385 | $0 | $385 | 0.37% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.18% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $176 | $7K | 21.84% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 8.03% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $804 | $187 | $991 | 3.25% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $401 | $588 | 1.93% |
| KENDRA LYNN MORRIS3 | PO BOX 320 SLATERSVILLE, RI 02876 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $242 | $0 | $242 | 0.79% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $23 | $235 | 0.77% |
| MJ INSURANCE3 Filed as: ASHLEY MQQUADE AND VARIOUS AGENTS | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $16 | $81 | 0.27% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 519 | $265K |
| Vision | VISION SERVICE PLAN | 164 | $53K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $103K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $134K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 398 | $103K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 426 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.