| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | HPHC INSURANCE COMPANY | $29K | — | $29K | 1.89% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | HPHC INSURANCE COMPANY | $19K | — | $19K | 1.82% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | HPHC INSURANCE COMPANY | $8K | — | $8K | 2.14% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 3.97% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.33% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | VISION SERVICE PLAN | $2K | — | $2K | 6.34% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | FEDERAL INSURANCE COMPANY | $986 | — | $986 | 14.99% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | FEDERAL INSURANCE COMPANY | $959 | — | $959 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEN INSURANCE & FINANCIAL | Insurance agents and brokers Service code 22 | PO BOX 207 CAMDEN, ME 04843 | $77K |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 188 | $3.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 429 | $204K |
| Vision | VISION SERVICE PLAN | 142 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $161K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $161K |
| Prescription drug(3 contracts) | HPHC INSURANCE COMPANY | 188 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
No prospect flags tripped on this filing.