| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75 | $67K | $67K | 5.07% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 5.38% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 1.31% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | PO BOX 820 BRATTLEBORO, VT 05302 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 11.49% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INCORPORATED | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $753 | $0 | $753 | 8.13% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $51 | $0 | $51 | 0.55% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.3M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 166 | $89K |
| Vision | VISION SERVICE PLAN | 91 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 135 | $40K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 135 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 158 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.