| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH PARKER DAVIES3 Filed as: JOSEPH W. SARREY | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $26K | $6K | $32K | 1.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL & HOBBS OF CT | PO BOX 232100 HARTFORD, CT 061232100 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $0 | — | $0 | 0.00% |
| RESOURCE SEVEN3 | 240 LANIER AVENUE E FAYETTEVILLE, GA 302141604 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $209 | $32K | 4.78% |
| RESOURCE SEVEN3 | 240 LANIER AVENUE E FAYETTEVILLE, GA 302141604 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $305 | $6K | 4.83% |
| ASSUREDPARTNERS3 Filed as: HACKETT VALINE & MCDONALD INC. | 140 KENNEDY DRIVE PO BOX 2127 SOUTH BURLINGTON, VT 05407 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.35% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC. | 500 LANIER AVENUE W, SUITE 203 FAYETTEVILLE, GA 302147636 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.25% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC. | 500 LANIER AVENUE W, SUITE 203 FAYETTEVILLE, GA 30214 | GUARDIAN LIFE INSURANCE CO | $6K | — | $6K | 10.00% |
| PEACHTREE PLANNING OF GEORGIA3 | 40 ROSWELL ROAD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE CO | $439 | — | $439 | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | PO BOX 416672 BOSTON, MA 022416672 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 4.95% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $343 | — | $343 | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | — | DELTA DENTAL PLAN OF VERMONT, INC. | $2K | — | $2K | 4.93% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $264 | — | $264 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | PO BOX 416672 BOSTON, MA 022416672 | DELTA DENTAL PLAN OF VERMONT, INC. | $1K | — | $1K | 5.11% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $225 | — | $225 | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 ASO | Claims processing Service code 12 | — | $14K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 278 | $2.9M |
| Dental(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $234K |
| Vision(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 278 | $2.2M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $231K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $130K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $231K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 278 | $2.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.