| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.79% |
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.39% |
| JAMES T KINNEY3 | 1429 WARWICK AVENUE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $284 | — | $284 | 0.44% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $2K | — | $2K | 4.23% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $371 | $2K | 11.54% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | COMPANION LIFE INSURANCE COMPANY | $73 | — | $73 | 11.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $37 | — | $37 | 5.81% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 303 | $38K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 329 | $84K |
| Short-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 87 | $61K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 355 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.