| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 9.13% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | — | $3K | 4.90% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $610 | — | $610 | 0.93% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $6K | 14.70% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $1K | — | $1K | 3.56% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | PO BOX 948 HENRIETTA, NY 14467 | VISION SERVICE PLAN | $923 | — | $923 | 7.78% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $696 | — | $696 | 5.87% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | -$90 | — | -$90 | -0.76% |
| ACRISURE LLC3 Filed as: ACRISURE, LIC | 346 SHELBURNE RD 3RD FL BURLINGION, VT 05401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 1.57% |
| MICHAEL PATRICK MCGARRY3 Filed as: MICHAEL MCGARRY | 9 DUNN ESTS SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 1.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 364 SHELBOURNE ROAD BURLINGTON, VT 05401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $132 | — | $132 | 3.75% |
| MICHAEL PATRICK MCGARRY3 Filed as: MICHAEL MCGARRY | 9 DUNN ESTS SCARBOROUGH, MA 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 1.05% |
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 | 148 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 53 | $739K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 171 | $66K |
| Vision | VISION SERVICE PLAN | 72 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $78K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $38K |
| Prescription drug(4 contracts) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 53 | $701K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.