See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 5 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 8 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MED CLAIMS ADM SERVICES | Direct payment from the plan; Non-monetary compensation; Named fiduciary; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | P.O. BOX 644546 PITTSBURGH, PA 15264 | $8.1M |
| ANNE HOULE EIN 03-0210827 SALARY FOR KEY EMPLOYEE | Plan Administrator; Insurance services; Employee (plan sponsor) Service code 14 | P.O. BOX 345 BARRE, VT 05641 | $69K |
| ANN REGAN EIN 03-0210827 SALARY FOR EMPLOYEE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Employee (plan sponsor) Service code 15 | P.O. BOX 345 BARRE, VT 05641 | $20K |
| GRANITE GROUP INSURANCE TRUST EIN 03-0210827 CONTRACT ADMINSTRATION | Claims processing; Contract Administrator Service code 12 | P.O. BOX 345 BARRE, VT 05641 | $0 |
| N.F.P. CORPORATE SERVICES EIN 51-0434666 AGENT BROKER | Insurance brokerage commissions and fees Service code 53 | 620 HINESBURG RD SOUTH BURLINGTON, VT 05407 | $0 |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 176 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INS CO MEDICARE SUPPLEMENT | 167 | $224K |
| Dental | NORTH EAST DELTA DENTAL | 560 | $137K |
| Vision | VISION SERVICE PLAN | 276 | $29K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 296 | $79K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 540 | $723K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.