| 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 | $42K | $2K | $45K | 3.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 061033602 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $844 | $6K | 4.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | PO BOX 414965 BOSTON, MA 022410001 | VISION SERVICE PLAN | $670 | — | $670 | 6.59% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE VERMONT HEALTH PLAN | 251 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $136K |
| Vision(2 contracts, 2 carriers) | THE VERMONT HEALTH PLAN | 251 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $136K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $136K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $136K |
| Prescription drug | THE VERMONT HEALTH PLAN | 251 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.