| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTHCARE - HMOHSA/HRA | $16K | — | $16K | 3.14% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY PPOHSA/HRA | — | $13K | $13K | 2.99% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE - HMOHSA | — | $8K | $8K | 2.98% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE - DENTAL | $3K | — | $3K | 3.78% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | COMPANION LIFE INSURANCE COMPANY - VOLUNTARY BENEFITS | $12K | — | $12K | 15.00% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY - VOLUNTARY BENEFITS | $6K | — | $6K | 7.50% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY - COMBO | $5K | — | $5K | 21.63% |
| KENNETH OLMSTEAD3 | 6037 BLACK NUBBLE 50 CARRABASSETT VALLEY, ME 04947 | TRUSTMARK INSURANCE COMPANY - COMBO | $1K | — | $1K | 4.36% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 18.28% |
| KENNETH OLMSTEAD3 | 6037 BLACK NUBBLE 50 CARRABASSETT VALLEY, ME 04947 | TRUSTMARK INSURANCE COMPANY | $788 | — | $788 | 3.15% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | COMPANION LIFE INSURANCE COMPANY - LTD | $2K | $10 | $2K | 11.33% |
| COMBINED INSURANCE SVCS OF N FL INC3 Filed as: COMBINDED SERVICE LLC | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY - LTD | $948 | — | $948 | 5.64% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE - LIFE AND STD | $575 | — | $575 | 15.01% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | COMPANION LIFE INSURANCE - LIFE AND STD | $287 | $16 | $303 | 7.91% |
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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 49 | $5K |
| Dental | ANTHEM HEALTH PLANS OF MAINE - DENTAL | 141 | $83K |
| Life insurance | COMPANION LIFE INSURANCE - LIFE AND STD | 295 | $4K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 295 | $29K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY - LTD | 38 | $17K |
| Other(5 contracts, 5 carriers) | HARVARD PILGRIM HEALTHCARE - HMOHSA/HRA | 89 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.