| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | 48 HARRIS PLACE P.O. BOX 820 BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | — | $3K | 4.91% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $515 | — | $515 | 0.80% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $626 | $354 | $980 | 4.33% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $315 | $179 | $494 | 4.47% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95 | $68 | $163 | 4.68% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22 | $11 | $33 | 4.43% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 185 | $64K |
| Vision | VISION SERVICE PLAN | 70 | $10K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 116 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $23K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $0 |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 117 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.