| 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. | $61K | $0 | $61K | 9.06% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN | 346 SHELBURNE ROAD BURLINGTON, VT 05401 | CIGNA GROUP INSURANCE | $6K | $0 | $6K | 9.67% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK AND BOARDMAN FIN. PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.31% |
| KELSEY L., DELGADO AND OTHER AGENTS3 | 30 MARBLE STREET, SUITE A BRANDON, VT 05733 | AFLAC | $651 | $109 | $760 | 3.93% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $556 | $65 | $621 | 3.21% |
| MICHAEL G. JARVIS3 | 8 WOODS END DRIVE ESSEX JUNCTION, VT 05452 | AFLAC | $180 | $0 | $180 | 0.93% |
| MICHAEL ZELLMAN3 | 1826 SOUTH CARLISLE STREET PHILADELPHIA, PA 19145 | AFLAC | $156 | $0 | $156 | 0.81% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK AND BOARDMAN FINANCIAL PLAN | PO BOX 1064 BURLINGTON, VT 05402 | AFLAC | $148 | $0 | $148 | 0.76% |
| MICHAEL G RYAN3 Filed as: MICHAEL G. RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $131 | $0 | $131 | 0.68% |
| TEENA FOSTER3 Filed as: TEENA F. FOSTER | 69 PAINT WORKS ROAD BRANDON, VT 05733 | AFLAC | $108 | $11 | $119 | 0.61% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $177 | $2K | 16.25% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 298 | $674K |
| Dental | AFLAC | 27 | $19K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 164 | $40K |
| Life insurance(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 261 | $100K |
| Long-term disability | CIGNA GROUP INSURANCE | 261 | $66K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO. | 298 | $674K |
| Other(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 261 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.