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 Insurance Program

Reduce your insurance costs and increase your coverage, only as a VRGA member!

MMG Insurance offers a comprehensive and competitive insurance program designed for your business, with an exclusive 5% discount for our members. The best part? You can use your own insurance agent. MMG works with a network of trusted independent advisors so your current agent can quote you easily on the program.

 MMG's program features:

  • General Liability
  • Business Income Replacement
  • Property Coverage
  • Commercial Auto
  • Umbrella Liability
  • OPTIONAL Workers Compensation Coverage

Find Your Local Agent

Find more information here

DeltaVision Insurance Program

Administered by Northeast Delta Dental (the same people you love from VRGA's Dental Program!), DeltaVision is a low cost vision program with major value. Accepted at a wide range of in-person locations as well as five major online retailers (,,,,, you won't struggle to apply your benefits. With it becoming harder and harder to retain employees, this inexpensive and easy to use vision program is a no-brainer!

Find out more about the plans and where you can use them in this brochure

Ready to join?

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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 over 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. Don't get caught in an expensive situation without coverage. The true cost of a cavity alone is very high!

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Payment Solutions

At Retail Council Services Corp. (RCSC), we offer a variety of payment processing solutions tailored to suit your business — all at special VRGA member rates. Choose to accept payments in person or online with mobile apps, invoicing, e-commerce and gateway integrations, ACH transactions, surcharging and more.

Need a POS that accommodates weighing scales and EBT cards? We’ll connect you with Epos Now. 

How about a POS combined with a beautifully crafted, user-friendly website? Wix is the answer. 

On the go? Sell anywhere with AprivaPay, a mobile solution with features and functionality you need at a price point you can afford.

Contact us for a free demo — be sure you mention you’re a VRGA member!

Wix program for RCSC

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Multi-state 401K program only available through retail associations

 What's a MEP? View the video below for a guide!

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!

Still have questions? Read up on what makes our MEP work for you. This program is available through numerous independent agents and advisors, if you have a financial advisor ask them about the Retail MEP today! Read here for the full capabilities brochure!

"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


Payroll Processing

Payroll, HR and Employee management doesn’t need to be such as process. Allow our local team of trained professionals to take the pain out of pay day, with our scalable workforce management solutions. You’ll be amazed at how simple it is to integrate hiring, payroll, timekeeping, and HR compliance.

PayData’s hyper-friendly staff is ready to help elevate your workforce management, with cost saving and compliant ready solutions.  Our Vermont based business provides platforms which interface with your point of sale and accounting systems.  Better management of your employee time tracking & schedules are a click away.         

Our 30-year young company is here to help you with your workforce challenges. We look forward to learning more about how we can help. Put us to work!

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