| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FINANCIAL PLNG | 346 SHELBURNE ROAD BURLINGTON, VT 05402 | ACCURISK (EASTERN BENEFITS GROUP) | $0 | $41K | $41K | 11.24% |
| CBA BLUE5 | P.O. BOX 2365 SOUTH BURLINGTON, VT 05407 | ACCURISK (EASTERN BENEFITS GROUP) | $0 | $13K | $13K | 3.43% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $7K | 5.30% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.47% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.85% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.42% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FINANCIAL PLNG | PO BOX 1064 BURLINGTON, VT 054021064 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.94% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 8.51% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $953 | $953 | 1.39% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 331 | $76K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 796 | $113K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 795 | $126K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 432 | $68K |
| Stop-loss / reinsurancereinsurance | ACCURISK (EASTERN BENEFITS GROUP) | 448 | $369K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 796 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.