| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 7.51% |
| HICKOK & BOARDMAN FINANCIAL3 | PO BOX 1064 BURLINGTON, VT 054021064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.29% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | — | $3K | 5.03% |
| CSONE BENEFIT SOLUTIONS3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $576 | — | $576 | 0.91% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $822 | — | $822 | 6.73% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD, | 12006 RIDGEMONT DR. URBANDALE, IA 503232317 | VISION SERVICE PLAN | $244 | — | $244 | 2.00% |
| ACRISURE LLC3 | DBA HICKOK BOARDMAN HR INTELLIGENCE 364 SHELBURNE RD BURLINGTON, VT 05401 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.93% |
| ACRISURE LLC3 | 2625 W PETERSON AVE CHICAGO, IL 606594004 | PRINCIPAL LIFE INSURANCE COMPANY | — | $75 | $75 | 1.07% |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $448K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 148 | $63K |
| Vision | VISION SERVICE PLAN | 95 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $7K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $448K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $448K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.