| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL GROUP | PO BOX 207 CAMDEN, ME 04843 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.83% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.73% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 107 | $66K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.