| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 2343 SOUTH BURLINGTON, VT 05403 | THE VERMONT HEALTH PLAN | $27K | $2K | $29K | 2.43% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE F.K.A BENEFIT GRO | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE VERMONT HEALTH PLAN | $9K | $0 | $9K | 0.77% |
| ASSUREDPARTNERS3 Filed as: HACKETT, VALINE & MACDONALD | PO BOX 2127 SOUTH BURLINGTON, VT 05407 | THE VERMONT HEALTH PLAN | $3K | $0 | $3K | 0.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF VERMONT, INC. | $4K | $0 | $4K | 3.75% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $986 | $0 | $986 | 1.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $811 | $0 | $811 | 0.82% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES (NY) | 620 HINESBURG ROAD STE 200 SOUTH BURLINGTON, VT 05407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.88% |
| DIGITAL INSURANCE LLC7 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.12% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES (NY) | 620 HINESBURG ROAD STE 200 SOUTH BURLINGTON, VT 05407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.94% |
| DIGITAL INSURANCE LLC7 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 SOUTH BURLINGTON, VT 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $404 | $0 | $404 | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 2343 SOUTH BURLINGTON, VT 05403 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $400 | $0 | $400 | 2.25% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE F.K.A BENEFIT GRO | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $133 | $0 | $133 | 0.75% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP CORPORATE SERVICES NY | 620 HINESBURG ROAD STE 200 SOUTH BURLINGTON, VT 05407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.80% |
| DIGITAL INSURANCE LLC7 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | $0 | $299 | 2.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE FL21 NEW YORK, NY 10173 | VISION SERVICE PLAN | $518 | $0 | $518 | 7.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $91 | $0 | $91 | 1.27% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE VERMONT HEALTH PLAN | 242 | $1.2M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 259 | $99K |
| Vision(3 contracts, 3 carriers) | THE VERMONT HEALTH PLAN | 242 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $20K |
| Prescription drug(2 contracts, 2 carriers) | THE VERMONT HEALTH PLAN | 242 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.