| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: BLUE CROSS BLUE SHIELD OF VERMONT | P O BOX 186 MONTPELIER, VT 05601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 6.84% |
| 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 | $696K |
| 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 | $157K |
| HOOD & AYER EIN 03-0324363 NONE | Insurance agents and brokers Service code 22 | PO BOX 279 MONTPELIER, VT 05601 | $95K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 NONE | Legal Service code 29 | 1701 PENNSYLVANIA AVENUE NW SUITE 1200 WASHINGTON, DC 200065811 | $59K |
| GRIPPIN, DONLAN & PINKHAM, PLC EIN 03-0354347 NONE | Accounting (including auditing) Service code 10 | 3 BALDWIN AVENUE SOUTH BURLINGTON, VT 05403 | $32K |
| ARTEX RISK SOLUTIONS, INC. EIN 41-2223632 NONE | Other services Service code 49 | PO BOX 2227 SOUTH BURLINGTON, VT 05407 | $11K |
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 | 1,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,616 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,616 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.