| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | PO BOX 820 48 HARRIS PL BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $820 | $9K | 9.23% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $1K | — | $1K | 4.87% |
| THE RICHARDS GROUP3 | PO BOX 820 48 HARRIS PL BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $146 | $3K | 15.75% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN | FINANCIAL PLANNING GROUP 346 SHELBURNE RD FTH FLOOR BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 1.92% |
| CREWS, ROBERT W3 | 5TH FLOOR 346 SHELBURNE RD BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.75% |
| THE RICHARDS GROUP3 | PO BOX 820 48 HARRIS PL BRATTLEBORO, VT 05302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| THE RICHARDS GROUP3 | PO BOX 820 48 HARRIS PL BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213 | $18 | $231 | 18.03% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 159 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $121K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $102K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.