| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 | PO BOX 1064 BURLINGTON, VT 05402 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $3K | — | $3K | 0.25% |
| HICKOK & BOARDMAN FINANCIAL3 | PO BOX 1064 BURLINGTON, VT 05401 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| H.J. KNIGHT INTERNATIONAL INSURANCE3 Filed as: H J KNIGHT INTERNATIONAL INSURANCE | 30 BRAINTREE HILL OFFICE PARK 203 BRAINTREE, MA 021848751 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.92% |
| FLEISCHER JACOBS & ASSOCIATES INC3 Filed as: FLEISCHER & JACOBS | PO BOX 2343 SOUTH BURLINGTON, VT 05407 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | — | $508 | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUDTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | — | $53 | 0.26% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 290 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $56K |
| Vision(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 370 | $2.8M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $76K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 290 | $2.8M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.