| 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 | $24K | $5K | $29K | 2.15% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | HPHC INSURANCE COMPANY | $18K | $4K | $22K | 2.14% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | HPHC INSURANCE COMPANY | $8K | $2K | $10K | 2.15% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 3.96% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.14% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE AND FINANCIAL | PO BOX 207 CAMDEN, ME 04843 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 | Plan Administrator Service code 14 | — | $12K |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 178 | $2.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 408 | $202K |
| Vision | VISION SERVICE PLAN | 149 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $164K |
| Short-term disability(2 contracts) | FEDERAL INSURANCE COMPANY | 189 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $164K |
| Prescription drug(3 contracts) | HPHC INSURANCE COMPANY | 178 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.