| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.05% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $230 | $4K | 16.68% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.16% |
| MICHAEL G. JARVIS3 Filed as: MICHAEL JARVIS | 8 WOODS END DRIVE ESSEX JUNCTION, VT 05452 | AFLAC | $141 | $0 | $141 | 1.46% |
| MJ INSURANCE3 Filed as: CHARLES CHAPLEAU AND VARIOUS AGENTS | PO BOX 3066 MORRISTOWN, TN 37815 | AFLAC | $141 | $0 | $141 | 1.46% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | PO BOX 60 CHROMO, CO 81128 | AFLAC | $100 | $0 | $100 | 1.03% |
| JACQUELYN WILLIAMS3 | 684 TAYLOR HILL ROAD GRANVILLE, NY 12832 | AFLAC | $82 | $0 | $82 | 0.85% |
| SUSAN BRIMHALL3 | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $60 | $0 | $60 | 0.62% |
| ACRISURE LLC3 | 582 EAST 36TH AVENUE FORT LAUDERDALE, FL 33301 | AFLAC | $54 | $0 | $54 | 0.56% |
| TEENA FOSTER3 | 69 PAINT WORKS ROAD BRANDON, VT 05733 | AFLAC | $36 | $0 | $36 | 0.37% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK AND BOARDMAN FINANCIAL | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | $0 | $140 | 3.64% |
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130 | $0 | $130 | 3.38% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK AND BOARDMAN FINANCIAL | 346 SHELBURNE ROAD, 5TH FLOOR BURLINGTON, VT 05401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25 | $0 | $25 | 6.17% |
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23 | $0 | $23 | 5.68% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 15 | $10K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 156 | $32K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $40K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $40K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.