| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R H SCHILL & ASSOCIATES LTD3 | PO BOX 8270 ESSEX, VT 05451 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.72% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.72% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 3.32% |
| R H SCHILL & ASSOCIATES LTD3 Filed as: F H SCHILL & ASSOCIATES LTD | PO BOX 8270 ESSEX, VT 05451 | DELTA DENTAL PLAN OF VERMONT, INC. | $909 | — | $909 | 1.26% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | RED TREE INSURANCE COMPANY, INC. | $871 | — | $871 | 6.71% |
| R H SCHILL & ASSOCIATES LTD3 | PO BOX 8270 ESSEX, VT 05451 | RED TREE INSURANCE COMPANY, INC. | $319 | — | $319 | 2.46% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $178 | — | $178 | 1.37% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 157 | $72K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 180 | $13K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 119 | $83K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 119 | $83K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 119 | $83K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 119 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.