| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERV. | 4 WESTBROOK CORPORATE CTR. WESTCHESTER, IL 60154 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $28K | $0 | $28K | 17.44% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF VERMONT | PO BOX 186 MONTPELIER, VT 05601 | BCS FINANCIAL CORPORATION | $7K | $0 | $7K | 5.00% |
| GARDNER INSURANCE SERVICES, INC.3 | 159 PAUL AVENUE BARRE, VT 05641 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF VT EIN 03-0277307 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Insurance services Service code 12 | PO BOX 186 MONTPELIER, VT 05601 | $179K |
| AMERICAN WESTBROOK INSURANCE SERV. BROKER | Insurance brokerage commissions and fees Service code 53 | 4 WESTBROOK CORPORATE CTR, STE 500 WESTCHESTER, IL 60154 | $40K |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS FINANCIAL CORPORATION | 458 | $143K |
| Vision | BCS FINANCIAL CORPORATION | 458 | $143K |
| Life insurance | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 357 | $163K |
| Short-term disability | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 357 | $163K |
| Long-term disability | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 357 | $163K |
| Prescription drug | BCS FINANCIAL CORPORATION | 458 | $143K |
| Stop-loss / reinsurancereinsurance | BCS FINANCIAL CORPORATION | 458 | $143K |
| Other(2 contracts, 2 carriers) | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 357 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.