| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 364 SHELBOURNE ROAD BURLINGTON, VT 05401 | MVP HEALTHCARE | $33K | $0 | $33K | 0.80% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $5K | $0 | $5K | 2.45% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | $0 | $2K | 1.14% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN INC | PO BOX 1064 BURLINGTON, VT 05402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.92% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 503232317 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS | 10 RESEARCH PKWY STE 400 WALLINGFORD, CT 06492 | VISION SERVICE PLAN | $715 | $0 | $715 | 2.54% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $625 | $0 | $625 | 2.22% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN INC | PO BOX 1064 BURLINGTON, VT 054021064 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN INC | PO BOX 1064 BURLINGTON, VT 054021064 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN INC | PO BOX 1064 BURLINGTON, VT 054021064 | UNUM INSURANCE COMPANY | $429 | $0 | $429 | 14.99% |
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 | 297 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 360 | $4.1M |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 381 | $214K |
| Vision | VISION SERVICE PLAN | 183 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $211K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $211K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $211K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.