| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHERN BENEFIT CONSULTANTS LTD3 | 1233 SHELBURNE RD STE C 2A SOUTH BURLINGTON, VT 05403 | THE STANDARD - DENTAL | $884 | — | $884 | 2.95% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | THE STANDARD - DENTAL | $409 | — | $409 | 1.36% |
| NORTHERN BENEFIT CONSULTANTS LTD3 | 1233 SHELBURNE RD STE C 2A SOUTH BURLINGTON, VT 05403 | THE STANDARD - LIFE | $301 | — | $301 | 6.02% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | THE STANDARD - LIFE | $299 | — | $299 | 5.98% |
| NORTHERN BENEFIT CONSULTANTS LTD3 | 1233 SHELBURNE RD STE C 2A SOUTH BURLINGTON, VT 05403 | THE STANDARD - VISION | $50 | — | $50 | 2.69% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | THE STANDARD - VISION | $20 | — | $20 | 1.08% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD - DENTAL | 40 | $30K |
| Vision | THE STANDARD - VISION | 40 | $2K |
| Life insurance | THE STANDARD - LIFE | 116 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.