| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.15% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 9.70% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BATTLEBORO, VT 05302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.57% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | NORTHEAST DELTA DENTAL | $3K | $0 | $3K | 5.98% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | NORTHEAST DELTA DENTAL | $374 | $0 | $374 | 0.83% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BATTLEBORO, VT 05302 | VISION SERVICE PLAN | $797 | $0 | $797 | 7.05% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $57 | $0 | $57 | 0.50% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NORTHEAST DELTA DENTAL | 80 | $45K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $57K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.