| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERV | 4 WESTBROOK CORP CENTER, STE 500 WESTCHESTER, IL 60154 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $25K | — | $25K | 14.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF VERMONT | PO BOX 186 MONTPELIER, VT 05601 | BCS FINANCIAL CORPORATION | $7K | — | $7K | 5.00% |
| GARDNER INSURANCE SERVICES, INC.3 Filed as: GARDNER INSURANCE SERVICES INC | 159 PAUL AVE BARRE, VT 05641 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.53% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FINANCIAL PL | 346 SHELBURNE ROAD 5TH FL BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF VT EIN 03-0277307 CONTRACT ADMINISTRATOR | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $197K |
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 | 438 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS FINANCIAL CORPORATION | 438 | $142K |
| Vision | BCS FINANCIAL CORPORATION | 438 | $142K |
| Life insurance | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 363 | $170K |
| Short-term disability | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 363 | $170K |
| Long-term disability | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 363 | $170K |
| Prescription drug | BCS FINANCIAL CORPORATION | 438 | $142K |
| Stop-loss / reinsurancereinsurance | BCS FINANCIAL CORPORATION | 438 | $142K |
| Other(2 contracts, 2 carriers) | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 363 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.