| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOCK & BOARDMAN | PO BOX 1064 BURLINGTON, VT 05402 | CIGNA HEALTH AND LIFE INSURANCE CO. | $63K | $0 | $63K | 9.25% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN | 346 SHELBURNE ROAD BURLINGTON, VT 05401 | CIGNA GROUP INSURANCE | $7K | $0 | $7K | 9.48% |
| MICHAEL G RYAN3 Filed as: MICHAEL G. RYAN AND OTHER AGENTS | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $797 | $15 | $812 | 4.02% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $765 | $28 | $793 | 3.92% |
| SAMANTHA FIELDS3 | 6 SWEET BRIER DRIVE BALLSTON LAKE, NY 12019 | AFLAC | $423 | $0 | $423 | 2.09% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK AND BOARDMAN FINANCIAL PLAN | PO BOX 1064 BURLINGTON, VT 05402 | AFLAC | $289 | $0 | $289 | 1.43% |
| JACQUELYN WILLIAMS3 | 136 SOUTH ROAD WHITEHALL, NY 12887 | AFLAC | $209 | $36 | $245 | 1.21% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $187 | $12 | $199 | 0.98% |
| MICHAEL G. JARVIS3 | 8 WOODS END DRIVE ESSEX JUNCTION, VT 05452 | AFLAC | $197 | $0 | $197 | 0.97% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $191 | $2K | 16.32% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 299 | $682K |
| Dental | AFLAC | 31 | $20K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 182 | $41K |
| Life insurance(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 298 | $104K |
| Long-term disability | CIGNA GROUP INSURANCE | 298 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO. | 299 | $682K |
| Other(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 298 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.