| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | PO BOX 820 BRATTLEBORO, VT 05302 | MUTUAL OF OMAHA INSURANCE COMPANY | $11K | $0 | $11K | 7.18% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 3.14% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 1.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 0.99% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | PO BOX 820 BRATTLEBORO, VT 05302 | COMPANION LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.26% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.74% |
| AON CONSULTING INC5 Filed as: BSWIFT, LLC | PO BOX 860470 MINNEAPOLIS, MN 55486 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.91% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | COMPANION LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 4.38% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.05% |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 588 | $113K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 628 | $283K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 195 | $152K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 195 | $152K |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 628 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.