| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC. | 500 LANIER AVENUE W, SUITE 203 FAYETTEVILLE, GA 30214 | GUARDIAN LIFE INSURANCE CO | $12K | $2K | $14K | 12.01% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE CO | $513 | — | $513 | 0.44% |
| ASSUREDPARTNERS3 Filed as: HACKETT VALINE & MCDONALD INC. | 140 KENNEDY DRIVE PO BOX 2127 SOUTH BURLINGTON, VT 05407 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | PO BOX 416672 BOSTON, MA 022416672 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 4.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $432 | — | $432 | 0.90% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $377 | — | $377 | 0.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | — | DELTA DENTAL PLAN OF VERMONT, INC. | $1K | — | $1K | 4.21% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $284 | — | $284 | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF VERMONT, INC. | $283 | — | $283 | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | PO BOX 416672 BOSTON, MA 022416672 | DELTA DENTAL PLAN OF VERMONT, INC. | $1K | — | $1K | 4.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF VERMONT, INC. | $207 | — | $207 | 0.83% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF VERMONT, INC. | $206 | — | $206 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 ASO | Claims processing Service code 12 | — | $16K |
| VISION SERVICE PLAN EIN 06-1227840 ASO | Claims processing Service code 12 | — | $5K |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE CO | 94 | $223K |
| Vision | GUARDIAN LIFE INSURANCE CO | 94 | $116K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO | 315 | $222K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO | 94 | $116K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO | 315 | $222K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO | 315 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.