| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL PLAN OF VERMONT, INC. | $4K | — | $4K | 4.27% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLA DBA CSONE | BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $863 | — | $863 | 1.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY DOLLARS ADMINISTRATOR OF ACCOUNT | Claims processing Service code 12 | 5 CARMICHAEL STREET ESSEX, VT 05452 | $10K |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 196 | $969K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 197 | $83K |
| Vision | BLUE CROSS AND BLUE SHIELD OF VERMONT | 196 | $969K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 208 | $54K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 208 | $54K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 196 | $969K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 208 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
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.