| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $8K | $0 | $8K | 2.96% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 9.87% |
| THE RICHARDS GROUP3 Filed as: THE RICHARS GROUP | PO BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $61 | $5K | 3.69% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $77 | $4K | 2.83% |
| THE RICHARDS GROUP3 Filed as: THE RICHARS GROUP | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $7K | $0 | $7K | 10.73% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $412 | $0 | $412 | 6.20% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.92% |
| KEVIN MURPHY3 Filed as: KEVIN JOHN CONWAY | 41 PERCHERON WAY WEST BARNSTABLE, MA 02668 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.59% |
| ASHLEY FOLLIS3 | 2 GRIFFITH DRIVE DURHAM, NH 03824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.42% |
| RYAN PATRICK DEMPSEY3 | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.24% |
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 | 440 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 571 | $273K |
| Vision | VISION SERVICE PLAN | 187 | $62K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $136K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $143K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $136K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 426 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.