| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 7.94% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOCK AND BOARDMAN FINANCIAL | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.91% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.47% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $198 | $3K | 14.93% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC AND OTHER AGENTS | 582 EAST 36TH AVENUE FORT LAUDERDALE, FL 33301 | AFLAC | $316 | $0 | $316 | 2.02% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $188 | $0 | $188 | 1.20% |
| MICHAEL G. JARVIS3 | 8 WOODS END DRIVE ESSEX JUNCTION, VT 05452 | AFLAC | $171 | $0 | $171 | 1.10% |
| MICHAEL ZELLMAN3 | 1826 SOUTH CARLISLE STREET PHILADELPHIA, PA 19145 | AFLAC | $142 | $0 | $142 | 0.91% |
| TEEN F. FOSTER3 | 69 PAINT WORKS ROAD BRANDON, VT 05733 | AFLAC | $63 | $0 | $63 | 0.40% |
| SUSAN C BRIMHALL3 Filed as: SUSAN C. BRIMHALL | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $59 | $0 | $59 | 0.38% |
| MELISSA ANN STEWART3 | 36 WINCOMA LANE QUEENSBURY, NY 12804 | AFLAC | $43 | $0 | $43 | 0.28% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 20 | $16K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 160 | $38K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $62K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.