| 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 | $17K | — | $17K | 2.55% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE - HMOHSA | $12K | — | $12K | 2.44% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY PPOHSA/HRA | $6K | — | $6K | 2.24% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | $14K | $10 | $14K | 14.06% |
| 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, VOL, LIFE, ADD | $8K | — | $8K | 7.39% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE - DENTAL | $3K | — | $3K | 4.03% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 19.70% |
| KENNETH OLMSTEAD3 | 6037 BLACK NUBBLE 50 CARRABASSETT VALLEY, ME 04947 | TRUSTMARK INSURANCE COMPANY | $592 | — | $592 | 2.58% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY - COMBO | $5K | — | $5K | 21.40% |
| KENNETH OLMSTEAD3 | 6037 BLACK NUBBLE 50 CARRABASSETT VALLEY, ME 04947 | TRUSTMARK INSURANCE COMPANY - COMBO | $856 | — | $856 | 3.81% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT STREET 520 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTHCARE - COBRA | $83 | — | $83 | 3.72% |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 35 | $3K |
| Dental | ANTHEM HEALTH PLANS OF MAINE - DENTAL | 135 | $74K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 251 | $102K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 251 | $125K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 251 | $102K |
| Other(6 contracts, 6 carriers) | HARVARD PILGRIM HEALTHCARE - HMOHSA/HRA | 251 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.