| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $10K | — | $10K | 2.50% |
| DIGITAL INSURANCE LLC3 | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 0.44% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 7.50% |
| ACRISURE LLC3 | 364 SHELBURNE RD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.50% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 7.50% |
| ACRISURE LLC3 | 364 SHELBURNE RD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.16% |
| COMTINED SERVICES LIMITED LIABILITY3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 7.50% |
| ACRISURE LLC3 | 364 SHELBURNE RD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.30% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | — | $2K | 3.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | -$25 | — | -$25 | -0.03% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 799 | $396K |
| Vision | VISION SERVICE PLAN | 418 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $170K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $93K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.