No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF VERMONT EIN 03-0277307 NONE | Claims processing Service code 12 | P O BOX 186 MONTPELIER, VT 05601 | $1.1M |
| VERMONT AUTO DEALERS ASSOC, INC. EIN 03-0213537 PLAN SPONSOR | Plan Administrator Service code 14 | 1284 US ROUTE 302 - BERLIN SUITE 2 BARRE, VT 05641 | $173K |
| HOOD & AYER EIN 03-0324363 NONE | Insurance agents and brokers Service code 22 | PO BOX 279 MONTPELIER, VT 05601 | $105K |
| ARTEX RISK SOLUTIONS, INC. EIN 41-2223632 NONE | Other services Service code 49 | PO BOX 2227 SOUTH BURLINGTON, VT 05407 | $45K |
| GRIPPIN, DONLAN & PINKHAM, PLC EIN 03-0354347 NONE | Accounting (including auditing) Service code 10 | 3 BALDWIN AVENUE SOUTH BURLINGTON, VT 05403 | $29K |
| MORGAN STANLEY EIN 26-4310632 NONE | Securities brokerage commissions and fees; Other services; Custodial (securities); Securities brokerage; Direct payment from the plan; Investment advisory (plan); Other fees; Other investment fees and expenses Service code 19 | 69 SWIFT STREET 4TH FLOOR SOUTH BURLINGTON, VT 05403 | $16K |
| AMERICAN RISK SERVICES, INC. EIN 30-0535249 NONE | Actuarial Service code 11 | 325 CHEYENNE TRAIL MINNEAPOLIS, MN 55391 | $14K |
| PAUL FRANK COLLINS EIN 03-0222977 NONE | Legal Service code 29 | PO BOX 1307 BURLINGTON, VT 05402 | $6K |
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 | 2,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HANNOVER LIFE REASSURANCE COMPANY OF AMERICA | 2,207 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.