| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | $0 | $3K | 2.36% |
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | $0 | $2K | 1.69% |
| ACRISURE LLC3 | 364 SHELBURNE ROAD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 11.20% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.29% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $751 | $0 | $751 | 3.99% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $727 | $0 | $727 | 3.87% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $336 | $0 | $336 | 1.79% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 224 | $115K |
| Vision | VISION SERVICE PLAN | 137 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $86K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.