| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RATHBONE AND COMPANY3 | 30 KIMBALL AVE. SUITE 207 BURLINGTON, VT 05401 | UNUM LIFE INS. COMPANY OF AMERICA | $17K | — | $17K | 7.23% |
| KINNEY PIKE INS DBA RATHBONE & CO3 Filed as: KINNEY PIKE INS. DBA RATHBONE | 30 KIMBALL AVE STE 207 SOUTH BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.10% |
| KINNEY PIKE INS DBA RATHBONE & CO3 Filed as: KINNEY PIKE INS. DBA RATHBONE & CO | 30 KIMBALL AVE SUITE 207 SOUTH BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 3.38% |
| ASSUREX3 | SUITE 800 175 S THIRD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| KINNEY PIKE INS DBA RATHBONE & CO3 | 30 KIMBALL AVE SUITE 270 SOUTH BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 30.97% |
| ASSUREX3 | SUITE 800 175 S THIRD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $736 | — | $736 | 14.08% |
| KINNEY PIKE INS DBA RATHBONE & CO3 | 30 KIMBALL AVE SUITE 207 SOUTH BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 2.50% |
| KINNEY PIKE INS DBA RATHBONE & CO3 Filed as: KINNEY PIKE INS DBA RATHBONE | 30 KIMBALL AVE SUITE 207 SOUTH BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 7.65% |
| ASSUREX3 | 655 METRO PLACE STE 500 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 2.38% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS & ASSOCIATES | PO BOX 2343 S BURLINGTON, VT 05407 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.12% |
| KINNEY PIKE INS DBA RATHBONE & CO3 | 30 KIMBALL AVE SUITE 207 SOUTH BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.37% |
| KINNEY PIKE INS DBA RATHBONE & CO3 Filed as: KINNEY PIKE INS DBA RATHBONE | 62 KNIGHT LANE WILLISTON, VT 05495 | FIRST UNUM LIFE INSURANCE COMPANY | $77 | — | $77 | 16.31% |
| KINNEY PIKE INS DBA RATHBONE & CO3 | 30 KIMBALL AVE SUITE 207 SOUTH BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 5.16% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 479 | $265K |
| Short-term disability | UNUM LIFE INS. COMPANY OF AMERICA | 479 | $230K |
| Long-term disability(8 contracts, 3 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 479 | $251K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 479 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.