Benefits

The Vermont Retail and Grocers Association has partnered with the organizations below after careful consideration and review. VRGA believes the organizations can offer superior customer service along with considerable savings to member businesses.

Business Owner’s and Worker’s Compensation Insurance; HR, Workplace Policy and OSHA Guidance

Vermont Retail & Grocers Association is pleased to endorse a comprehensive insurance portfolio of business owner’s insurance as well as, worker’s compensation through Acadia Insurance. Participating members can earn dividends when the group meets targeted loss ratios. It is available from agents statewide through The Richards Group, 800-222-6016 or click here for a list of Vermont Agents and Agencies.

Additionally, The Richards Group offers support with HR initiatives and OSHA compliance for all VRGA members. The certified professionals at The Richards Group can help with everything from planning and document preparation (individualized health and safety plans, employee handbooks, preparation and policies to handle workplace violence/conflict) to OSHA certification for employees and owners. 

Members gain access to The Richards Group Portal as well, a one stop shop for workplace policy guidance. Available 24/7, the portal empowers you with the flexibility to find information when you need it.

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Delta Dental Insurance Program

Offer your employees the same benefits large employers do! Whether you employ two people or 100, VRGA Members can offer their employees access to dental benefits from the nation’s leading dental insurance carrier. That means they will receive the same benefits, quality of care, and access to dentists offered by bigger businesses.

Northeast Delta Dental is part of America’s largest and most experienced dental insurance provider as well as a local company doing business in Maine, New Hampshire, and Vermont. They cover nearly one million of your neighbors locally and more than 80 million people in more than 141,000 groups across the United States. Delta Dental’s panel of dentists is the nation’s most extensive: 4 out of 5 dentists nationwide participate in their networks, and even more locally. Their unique dual network provides both choice and value to your employees. Northeast Delta Dental members are free to see any dentist they wish but generally receive the most value from their benefits when receiving care from a participating provider. 

Our partnership with Delta Dental means you have access to a variety of affordable plan options with no minimum enrollments.

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Multi-state 401K program only available through retail associations

Provide great retirement plans to yourself and your staff, without the high cost and time drain of paperwork oversight.This plan will reduce employer costs and the retailer's required oversight of their private plan. VRGA is excited to partner with Lincoln Financial Group to offer this unique retirement plan to our members.

Why choose a MEP (Multiple Employer Retirement Plan)? The Vermont Retail and Grocers Association MEP 401k Plan affords employers the following benefits:

  • Full Plan Design Flexibility
  • Elimination of your Form 5500
  • Elimination of your Annual Audit if applicable
  • Elimination of your ERISA Bond
  • Elimination of your need for Fiduciary Liability Insurance
  • World Class Recordkeeping (Lincoln Financial Group)
  • Institutional Investment Options
  • 3(38) Fiduciary Investment Management
  • 3(16) Outsourced Plan Administration
  • Low cost and high savings!

"Working with Lincoln Financial was a wonderful experience. Everything was very smooth, from setup to implementation. Jason Stannard did a great job of guiding me through the process, and the team at Lincoln Financial made the actual transaction and transition a breeze. We ended up saving over $12,000 annually and have less to manage on our end. - Chris Henry, President, The Medical Store

Custom, reduced rate, shipping options

Unishippers of Burlington, VT, locally owned and operated, is an association of over 300,000 individual companies, nationwide, who have combined their shipping needs to qualify for the deep discounts that very large corporate accounts qualify for. Unishippers is a full service shipping company. Offering a large selection of proven and reliable carriers like UPS for your small packages and over 35 freight carriers for heavier freight. As professional shipping consultants, Unishippers creates completely individualized shipping solutions for our customers.

To learn more visit unishippers.com or contact Len Rubin, Owner, Unishippers of Burlington, VT 802-862-4889 or email at len.rubin@Unishippers.com

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Payroll Processing

PayData makes payroll EASY… Save money & keep your payroll local. PayData is a Vermont company that has been supporting and offering deep discounts to VRGA members for over 20 years! Services include automated time keeping, full payroll tax reporting, workers comp payment options and so much more. Easy conversion, so start your savings today.

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Credit-Debit Card Processing

VRGA knows that members get bombarded with credit card processing offers on a daily basis. That is why we took our time and sourced out the best possible partnership. Retail Council Services Corp. (RCSC) offers members one of the industry's most competitively priced processing services for your customer credit and debit card transactions. VRGA members who take advantage of RCSC's processing generally save anywhere between 10-40%.

When you join VRGA’s program through RCSC, you’ll receive your choice of:

  • A free EMV card reader for your smartphone or tablet (or a Bluetooth reader for $50)

OR

  • an EMV, Contactless Pay countertop terminal for $50 ($500 value!)

RCSC also offers VEND point-of-sale (POS) software, Lavu POS for restaurants and bars, E-commerce and ATMs.
Contact Carly, Nicholl or Michele at 800-442-3589 or info@rcnys.com for your free, no-obligation savings analysis. You can also upload your statements at www.rcscusa.com/save.

 

“Barrister’s Book Shop has been very happy with the credit card processing program handled by RCSC as a member benefit of VRGA. We have been using the program for 13 years and have had no issues that have not been quickly resolved. The service is great!” - Amy McDowell from Barrister’s Book Shop South Royalton, VT

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Coupon Redemption

This VRGA service allows retailers to obtain reimbursement for manufacturers coupons by submitting them to our partner, Grocers Coupon Service without the necessity of sorting.

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National Grocers Association

The National Grocers Association (NGA) is the national trade association representing the retail and wholesale grocers that comprise the independent sector of the food distribution industry. An independent retailer is a privately owned or controlled food retail company operating a variety of formats. The independent grocery sector is accountable for close to one percent of the nation's overall economy and is responsible for generating $131 billion in sales, 944,000 jobs, $30 billion in wages, and $27 billion in taxes. NGA members include retail and wholesale grocers, state grocers associations, as well as manufacturers and service suppliers. For more information about NGA, visit www.nationalgrocers.org.

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National Retail Federation

As part of a partnership between the Vermont Retail and Grocers Association and NRF, eligible* members receive complimentary membership to NRF. As a member, you have exclusive access to a number of benefits including the latest industry news and trends, important updates about how policies in Washington affect your business, networking opportunities, and discounts to NRF events. If you are a VRGA member and are ready to sign up for FREE membership with NRF, click here to see if you’re eligible!

* members must be a retailer who operates exclusively or primarily in the state of Vermont

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