| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | P.O. BOX 820 48 HARRIS PLACE BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 3.71% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $2K | — | $2K | 2.86% |
| THE RICHARDS GROUP3 | P.O. BOX 820 48 HARRIS PLACE BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $121 | $4K | 8.72% |
| THE RICHARDS GROUP3 Filed as: THE RICHARDS GROUP INC. | P.O. BOX 820 48 HARRIS PLACE BRATTLEBORO, VT 05302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 1.29% |
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 | 613 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 462 | $81K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $473K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $473K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $473K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 863 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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."
No prospect flags tripped on this filing.