| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 75 ARLINGTON STREET, 10TH FLOOR BOSTON, MA 02116 | MVP HEALTHCARE | $44K | $0 | $44K | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | MVP HEALTHCARE | $18K | $0 | $18K | 2.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 75 ARLINGTON STREET, 10TH FLOOR BOSTON, MA 02116 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | $0 | $3K | 3.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | DELTA DENTAL PLAN OF VERMONT, INC. | $820 | $0 | $820 | 1.17% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $660 | $0 | $660 | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 414965 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 7733 FORSYTH BOULEVARD, SUITE 1350 SAINT LOUIS, MO 63105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $539 | $0 | $539 | 4.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $456 | $0 | $456 | 3.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NOTHEAST, INC. | PO BOX 414965 BOSTON, MA 02241 | VISION SERVICE PLAN | $105 | $0 | $105 | 0.88% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 150 | $897K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 136 | $70K |
| Vision | VISION SERVICE PLAN | 108 | $12K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $47K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $47K |
| Prescription drug | MVP HEALTHCARE | 150 | $897K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.