| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $626 | $7K | 9.58% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $356 | $7K | 17.90% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $158 | $3K | 17.95% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $325 | $2K | 14.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | DBA CSONE BENEFIT SOLUTIONS 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | — | $541 | 5.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $279 | $2K | 18.01% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | DBA CSONE BENEFIT SOLUTIONS 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $464 | — | $464 | 5.00% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $59 | $2K | 19.89% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $640 | $174 | $814 | 14.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | DBA CSONE BENEFIT SOLUTIONS 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | — | $291 | 5.00% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN | FINANCIAL PLANNING GROUP 346 SHELBURNE ROAD FIFTH FLOOR BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 1.94% |
| ROBERT W. CREWS3 Filed as: ROBERT W CREWS | 346 SHELBURNE ROAD FIFTH FLOOR BURLINGTON, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.86% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $222 | $44 | $266 | 18.01% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | DBA CSONE BENEFIT SOLUTIONS 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $148 | — | $148 | 10.02% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $149 | $30 | $179 | 18.08% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | DBA CSONE BENEFIT SOLUTIONS 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $99 | — | $99 | 10.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | $13 | $77 | 17.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | DBA CSONE BENEFIT SOLUTIONS 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21 | — | $21 | 4.88% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 144 | $22K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $101K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $53K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $86K |
| Other(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.