| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | P.O. BOX 820 BRATTLEBORO, VT 053020820 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.77% |
| BRISTOL FINANCIAL SERVICES PC3 | P.O. BOX 387 BRISTOL, VT 05443 | STANDARD INSURANCE COMPANY | $426 | — | $426 | 1.07% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | P.O. BOX 820 BRATTLEBORO, VT 05302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $951 | — | $951 | 5.90% |
| BRISTOL FINANCIAL SERVICES PC3 | P.O. BOX 387 BRISTOL, VT 05443 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $493 | — | $493 | 3.06% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | P.O. BOX 820 BRATTLEBORO, VT 05302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $817 | — | $817 | 8.29% |
| BRISTOL FINANCIAL SERVICES PC3 | P.O. BOX 387 BRISTOL, VT 05443 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $661 | — | $661 | 6.71% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | P.O. BOX 820 BRATTLEBORO, VT 05302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 8.59% |
| BRISTOL FINANCIAL SERVICES PC3 | P.O. BOX 387 BRISTOL, VT 05443 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $629 | — | $629 | 6.42% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | P.O. BOX 820 BRATTLEBORO, VT 053020820 | STANDARD INSURANCE COMPANY | $94 | — | $94 | 2.57% |
| BRISTOL FINANCIAL SERVICES PC3 | P.O. BOX 387 BRISTOL, VT 05443 | STANDARD INSURANCE COMPANY | $32 | — | $32 | 0.87% |
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 | 59 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 49 | $40K |
| Vision | STANDARD INSURANCE COMPANY | 49 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $10K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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.