| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN INSURANCE & FINANCIAL | P. O. BOX 207 CAMDEN, ME 04843 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 3.88% |
| COMBINED SERVICES LLC3 | P. O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $156 | — | $156 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEN INSURANCE & FINANCIAL NONE | Insurance agents and brokers Service code 22 | P. O. BOX 207 CAMDEN, ME 04843 | $7K |
| COMBINED SERVICES LLC NONE | Insurance agents and brokers Service code 22 | P. O. BOX 1320 CONCORD, NH 033021320 | $156 |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 172 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.