| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP6 | 6 E CHESTNUT ST, STE 520 AUGUSTA, ME 043305759 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 4.29% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA | CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.09% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BNFT GRP | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE GROUP | $8K | — | $8K | 15.00% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BNFT GROUP | 6E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.88% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BNFT GRP | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.87% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BNFT GRP | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $926 | — | $926 | 6.18% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BNFT GRP | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $517 | — | $517 | 15.01% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT STREET AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106 | — | $106 | 14.99% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BNFT GRP | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78 | — | $78 | 14.91% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 306 | $136K |
| Vision | VISION SERVICE PLAN | 160 | $15K |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE GROUP | 138 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $34K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.