| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 12.88% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 EAST CHESTNUT STREET, SUITE 520 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.92% |
| NATIONAL WORKSITE BENEFIT GROUP3 | PO BOX 86 GARDINER, ME 04345 | DELTA DENTAL OF MAINE | $3K | $0 | $3K | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL OF MAINE | $3K | $0 | $3K | 1.82% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 EAST CHESTNUT STREET, SUITE 520 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $719 | $0 | $719 | 3.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | VISION SERVICE PLAN | $697 | $0 | $697 | 3.80% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $37 | $0 | $37 | 0.20% |
| NATIONAL WORKSITE BENEFIT GROUP3 | PO BOX 86 GARDINER, ME 04345 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 25.99% |
| KENNETH R. OLMSTED3 | 6 EAST CHESTNUT STREET, SUITE 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY | $220 | $0 | $220 | 1.21% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MAINE | 346 | $176K |
| Vision | VISION SERVICE PLAN | 167 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $217K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $217K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $217K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 321 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.