| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENA FRIESEN MEILLEUR3 | PO BOX 2127 SOUTH BURLINGTON, VT 05407 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $50K | $5K | $56K | 1.65% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC | $7K | — | $7K | 4.68% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $8K | $3K | $10K | 12.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 12.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | $852 | $3K | 12.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 5.87% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | $123 | $1K | 46.67% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MT 63122 | STANDARD INSURANCE COMPANY | — | $72 | $72 | 2.39% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 320 | $3.4M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC | 323 | $141K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 320 | $3.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 223 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 218 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 218 | $59K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 320 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.