| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN. PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | MVP HEALTHCARE | $83K | $0 | $83K | 3.51% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | 346 SHELBURNE RD, FL 5 BURLINGTON, VT 054014935 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $975 | $5K | 3.31% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.70% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.61% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN EMPLOYEE BENEFITS | PO BOX 1064 BURLINGTON, VT 05402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.82% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 054021064 | VISION SERVICE PLAN | $90 | $0 | $90 | 5.03% |
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 | 275 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 377 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 437 | $155K |
| Vision | VISION SERVICE PLAN | 157 | $2K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $69K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $70K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
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.