| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKOK & BOARDMAN FINANCIAL3 | 346 SHELBURNE ROAD 5TH FLOOR BURLINGTON, VT 05401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 2.43% |
| HICKOK & BOARDMAN FINANCIAL3 | 346 SHELBURNE ROAD 5TH FLOOR BURLINGTON, VT 05401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.26% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLAN | GROUP BENEFITS INC PO BOX 1064 BURLINGTON, VT 05401 | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 4.53% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF VERMONT, INC. | $493 | — | $493 | 0.91% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF VERMONT, INC. | $251 | — | $251 | 0.46% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLAN & GRP BN | 346 SHELBURNE ROAD PO BOX 1064 BURLINGTON, VT 05401 | DELTA DENTAL PLAN OF VERMONT, INC. | $247 | — | $247 | 0.46% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.90% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.85% |
| ACRISURE LLC3 | HICKOK AND BOARDMAN 364 SHELBURNE RD BURLINGTON, VT 05401 | STANDARD INSURANCE COMPANY | $334 | — | $334 | 1.18% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.22% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $846 | — | $846 | 3.85% |
| ACRISURE LLC3 | HICKOK AND BOARDMAN 364 SHELBURNE RD BURLINGTON, VT 05401 | STANDARD INSURANCE COMPANY | $232 | — | $232 | 1.06% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.10% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | STANDARD INSURANCE COMPANY | $502 | — | $502 | 4.14% |
| ACRISURE LLC3 | HICKOK AND BOARDMAN 364 SHELBURNE RD BURLINGTON, VT 05401 | STANDARD INSURANCE COMPANY | $124 | — | $124 | 1.02% |
| HICKOK & BOARDMAN FINANCIAL3 Filed as: HICKOK & BOARDMAN FIN PLANNING | PO BOX 1064 BURLINGTON, VT 05402 | VISION SERVICE PLAN | $775 | — | $775 | 7.27% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $796K |
| Dental | DELTA DENTAL PLAN OF VERMONT, INC. | 184 | $54K |
| Vision | VISION SERVICE PLAN | 77 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 128 | $12K |
| Short-term disability | STANDARD INSURANCE COMPANY | 119 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 119 | $28K |
| Other | STANDARD INSURANCE COMPANY | 128 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.