| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 4.15% |
| IMA, INC.3 | 48 HARRIS PLACE BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $284 | $6K | 2.19% |
| THE RICHARDS GROUP3 | PO BOX 820 BRATTLEBORO, VT 05301 | VISION SERVICE PLAN | $6K | $0 | $6K | 10.87% |
| CALIBER BENEFITS GROUP3 | 20 PARK PLAZA BOSTON, MA 02116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $162 | $7K | 15.65% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 7.82% |
| ASHLEY FOLLIS1 | 2 GRIFFITHS DRIVE DURHAM, NH 03824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $954 | $110 | $1K | 2.37% |
| RYAN PATRICK DEMPSEY3 Filed as: RYAN P. DEMPSEY AND OTHER AGENTS | 25 MARINA DRIVE HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $654 | $76 | $730 | 1.63% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE APT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $63 | $626 | 1.39% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $412 | $124 | $536 | 1.19% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | PO BOX 820 BRATTLEBORO, VT 05302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $35 | $193 | 0.43% |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 340 | $59K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $273K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $273K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 501 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.