| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | $0 | $3K | 3.29% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL PLAN OF VERMONT, INC. | $1K | $0 | $1K | 1.28% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $952 | $0 | $952 | 0.98% |
| IMA, INC.3 Filed as: IMA INC | 430 EAST DOUGLAS AVENUE, SUITE 400 WICHITA, KS 67202 | DELTA DENTAL PLAN OF VERMONT, INC. | $397 | $0 | $397 | 0.41% |
| ACRISURE LLC3 | 364 SHELBURNE ROAD BURLINGTON, VT 05401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 13.08% |
| IMA, INC.3 Filed as: IMA INC | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $927 | $0 | $927 | 1.31% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INSUR | 10 RESEARCH PARKWAY, SUITE 400 WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $492 | $0 | $492 | 0.69% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $601 | $0 | $601 | 5.62% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $583 | $0 | $583 | 5.45% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INSUR | 10 RESEARCH PARKWAY, SUITE 400 WALLINGFORD, CT 06492 | VISION SERVICE PLAN | $269 | $0 | $269 | 2.51% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $174 | $0 | $174 | 1.63% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 182 | $97K |
| Vision | VISION SERVICE PLAN | 84 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $71K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.