| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POULOS INSURANCE, INC.3 | 723 CONCORD AVENUE ST. JOHNSBURY, VT 05819 | DELTA DENTAL PLAN OF VERMONT, INC. | $4K | $0 | $4K | 3.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $999 | $0 | $999 | 0.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF VERMONT, INC. | $383 | $0 | $383 | 0.37% |
| COLIN J FUCCI3 Filed as: COLIN J. FUCCI | PO BOX 1 ST. JOHNSBURY, VT 05819 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 11.17% |
| COLIN J FUCCI3 Filed as: COLIN J. FUCCI | PO BOX 1 ST. JOHNSBURY, VT 05819 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 20.54% |
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 | 205 | 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. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE VERMONT HEALTH PLAN | 351 | $1.8M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 357 | $105K |
| Vision | THE VERMONT HEALTH PLAN | 351 | $1.8M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $79K |
| Prescription drug | THE VERMONT HEALTH PLAN | 351 | $1.8M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.