| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RATHBONE AND COMPANY3 | 30 KIMBALL AVE STE 207 SOUTH BURLINGTON, VT 05403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $730 | $9K | 9.27% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INSURANCE INC | 62 KNIGHT LN WILLISTON, VT 05495 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST 25TH FLOOR HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $661 | — | $661 | 1.44% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INSURANCE INC | 62 KNIGHT LN WILLISTON, VT 05495 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST 25TH FLOOR HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $768 | — | $768 | 3.57% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INSURANCE INC | 62 KNIGHT LN WILLISTON, VT 05495 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST 25TH FLOOR HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.89% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $112 | $2K | 15.85% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 2.83% |
| ASSUREX3 | STE 800 175 S THIRD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.07% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS AND ASSOCIATES INC | PO BOX 2343 S BURLINGTON, VT 05407 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 5.18% |
| ASSUREX3 | STE 800 175 S THIRD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.27% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 2.16% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 5.35% |
| ASSUREX3 | STE 800 175 S THIRD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.57% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER JACOBS AND ASSOCIATES INC | PO BOX 2343 S BURLINGTON, VT 05407 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | FIRST UNUM LIFE INSURANCE COMPANY | $225 | $11 | $236 | 15.76% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 2.28% |
| KINNEY PIKE INSURANCE3 Filed as: KINNEY PIKE INS DBA | RATHBONE AND CO 62 KNIGHT LANE WILLISTON, VT 05495 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 2.23% |
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 | 457 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $154K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $115K |
| Long-term disability(9 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $135K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 457 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.