Form 5500 · Employee benefit plan · PROCTOR, VT
CARRIS FINANCIAL CORP.
Public Form 5500 records show how CARRIS FINANCIAL CORP. of PROCTOR, VT, a manufacturing employer, structures its employee benefits. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through UNDERWRITING MANAGEMENT EXPERTS and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0326210 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 7 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with UNDERWRITING MANAGEMENT EXPERTS, covers 367 people.
The only insured piece of the health benefit is stop-loss coverage — the plan itself is self-funded, so premium and commission here reflect the stop-loss contract, not medical premium.
Reported premium across the insured contracts is $1,048,756, with $37,221 in disclosed broker commissions — about 3.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
DIGITAL INSURANCE INC. is the broker of record on 6 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 126 | December | $50,454 | $10,091 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 560 | December | $164,439 | $7,527 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 205 | December | $32,613 | $6,523 |
| DELTA DENTAL PLAN OF VERMONT, INC. | Dental | 626 | December | $222,032 | $6,277 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 560 | December | $120,392 | $4,669 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Vision | 677 | December | $38,889 | $2,134 |
| UNDERWRITING MANAGEMENT EXPERTS | Stop-loss | 367 | December | $419,937 | $0 |
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