| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.09% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL GROUP | PO BOX 207 CAMDEN, ME 04843 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.29% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.46% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.67% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 2.00% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.13% |
| T ALLEN HOWDESHELL Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $893 | — | $893 | 6.80% |
| T ALLEN HOWDESHELL Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.73% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 5.70% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 3.80% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 130 | $97K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $169K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $122K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 85 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.