| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 05403 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | $0 | $37K | 10.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $6K | $23K | 6.91% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.60% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.68% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.37% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.63% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $826 | — | $826 | 4.31% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05302 | VISION SERVICE PLAN | $561 | — | $561 | 2.93% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $163 | — | $163 | 0.85% |
| R H SCHILL & ASSOCIATES LTD3 Filed as: R. H. SCHILL & ASSOCIATES LTD. | PO BOX 8270 ESSEX, VT 05451 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 230 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 370 | $340K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 370 | $340K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 370 | $340K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 370 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.