| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE STE 2 PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 3.35% |
| NORTHERN BENEFITS3 Filed as: NORTHERN BENEFITS LTD | 1233 SHELBURNE ROAD SUITE C-2A SOUTH BURLINGTON, VT 05403 | DELTA DENTAL PLAN OF VERMONT, INC. | $615 | — | $615 | 1.23% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SVCS LLC DBA CSONE BEN SOL | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $384 | — | $384 | 0.77% |
| NORTHERN BENEFITS3 | 1233 SHELBURNE ROAD SUITE C 2A SOUTH BURLINGTON, VT 05403 | THE LINCOLN NATIONAL LIFE INS CO - LTD | $4K | — | $4K | 7.95% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INS CO - LTD | $3K | — | $3K | 7.05% |
| NORTHERN BENEFITS3 | 1233 SHELBURNE ROAD SUITE C 2A SOUTH BURLINGTON, VT 05403 | THE LINCOLN NATIONAL LIFE INS CO - STD | $2K | — | $2K | 7.91% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INS CO - STD | $2K | — | $2K | 7.09% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 118 | $50K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INS CO - STD | 116 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INS CO - LTD | 116 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.