| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL & HOBBS OF CT, LLC | PO BOX 232100 HARTFORD, CT 061232100 | THE VERMONT HEALTH PLAN | $22K | $1K | $23K | 2.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL & HOBBS OF CT | PO BOX 232100 HARTFORD, CT 061232100 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $9K | $618 | $10K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | PO BOX 414965 BOSTON, MA 02241 | DELTA DENTAL PLAN OF VERMONT, INC. | $4K | — | $4K | 4.95% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $1K | — | $1K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $362 | $3K | 7.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $257 | $4K | 12.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | PO BOX 414965 BOSTON, MA 022410001 | VISION SERVICE PLAN | $910 | — | $910 | 6.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $90 | $1K | 10.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76 | — | $76 | 15.08% |
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 | 103 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE VERMONT HEALTH PLAN | 146 | $1.3M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 228 | $87K |
| Vision(3 contracts, 3 carriers) | THE VERMONT HEALTH PLAN | 146 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $31K |
| Prescription drug(2 contracts, 2 carriers) | THE VERMONT HEALTH PLAN | 146 | $1.3M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.