| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 9.11% |
| 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 | $4K | $433 | $4K | 5.59% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 11.76% |
| 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 | $3K | $371 | $3K | 5.61% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.21% |
| 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 | $2K | $233 | $2K | 5.55% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $1K | — | $1K | 5.25% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $663 | $4K | 18.00% |
| 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 | $2K | $59 | $2K | 10.26% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $280 | $2K | 17.99% |
| 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 | $934 | $40 | $974 | 10.43% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | P.O. BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $572 | $114 | $686 | 17.98% |
| 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 | $191 | $17 | $208 | 5.45% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 158 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $60K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.