| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOCK & BOARDMAN | PO BOX 1064 BURLINGTON, VT 05402 | MVP HEALTH CARE | $70K | $0 | $70K | 3.30% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN | 346 SHELBURNE ROAD BURLINGTON, VT 05401 | CIGNA GROUP INSURANCE | $6K | $828 | $7K | 11.41% |
| JACQUELYN WILLIAMS3 | 136 SOUTH ROAD WHITEHALL, NY 12887 | AFLAC | $1K | $110 | $1K | 5.45% |
| CHARLES E. CHAPLEAU, JR. AND AGENTS3 | 122 BELLEVUE AVENUE RUTLAND, VT 05701 | AFLAC | $478 | $64 | $542 | 2.51% |
| ROBERT W. CREWS3 | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | AFLAC | $370 | $0 | $370 | 1.71% |
| MICHAEL G RYAN3 Filed as: MICHAEL G. RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $243 | $0 | $243 | 1.13% |
| MICHAEL G. JARVIS3 | 8 WOODS END DRIVE ESSEX JUNCTION, VT 05452 | AFLAC | $238 | $0 | $238 | 1.10% |
| MELISSA ANN STEWART3 Filed as: MELISSA MURPHY | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $172 | $22 | $194 | 0.90% |
| MELTON & ASSOCIATES INC3 Filed as: MELTON AND ASSOCIATES, INC. | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $108 | $0 | $108 | 0.50% |
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 | 303 | 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. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 379 | $2.1M |
| Dental | AFLAC | 32 | $22K |
| Vision(2 contracts, 2 carriers) | AFLAC | 156 | $40K |
| Life insurance(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 303 | $82K |
| Long-term disability | CIGNA GROUP INSURANCE | 303 | $60K |
| Prescription drug | MVP HEALTH CARE | 379 | $2.1M |
| Other(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 303 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.