| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAINE VOLUNTARY BENEFITS3 | 6 EST CHESTNUT STREET STE 520 AUGUSTA, ME 043305759 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.29% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.08% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GRP | 6 E CHESTNUT STREET STE 520 AUGUSTA, MA 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.56% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT STREET STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.49% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUST STREET STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 EAST CHESTNUT STREET STE 520 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $879 | — | $879 | 6.45% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT STREET STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $567 | — | $567 | 15.00% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUST STREET STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79 | — | $79 | 15.05% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 EAST CHESTNUT STREET STE 502 AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | — | $59 | 15.09% |
No Schedule C service providers reported on this filing.
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 286 | $126K |
| Vision | VISION SERVICE PLAN | 155 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $36K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.