| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | P.O. BOX 820 BRATTLEBORO, VT 05302 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $10K | — | $10K | 1.40% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC. | 48 HARRIS PLACE P.O. BOX 820 BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF VERMONT, INC. | $4K | — | $4K | 5.04% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $641 | — | $641 | 0.85% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $841 | $8K | 10.32% |
| THE RICHARDS GROUP3 Filed as: RICHARDS, INC. | P.O. BOX 820 BRATTLEBORO, VT 053020820 | VISION SERVICE PLAN | $717 | — | $717 | 8.02% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $146 | $1K | 18.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.91% |
| THE RICHARDS GROUP3 | P.O. BOX 820 BRATTLEBORO, VT 05301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $101 | $1K | 15.51% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 0 | $686K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 165 | $76K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 56 | $695K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $81K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $74K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 0 | $686K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.