| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE DBA SCHILL INSURANCE | 10 CHELSEA RD ESSEX JUNCTION, VT 05452 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.31% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DELTA DENTAL PLAN OF VERMONT, INC. | $3K | — | $3K | 3.22% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INS | SERVICES LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL PLAN OF VERMONT, INC. | $1K | — | $1K | 1.71% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $809 | — | $809 | 0.97% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | RED TREE INSURANCE COMPANY, INC. | $944 | — | $944 | 6.41% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INS | SERVICES LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | RED TREE INSURANCE COMPANY, INC. | $513 | — | $513 | 3.48% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $219 | — | $219 | 1.49% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 188 | $84K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 197 | $15K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 127 | $188K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 127 | $188K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 127 | $188K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 127 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.