| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOEL C ALLUMBAUGH3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | $11K | — | $11K | 14.59% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | $6K | — | $6K | 7.56% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT STREET 520 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE - DENTAL | $3K | — | $3K | 3.67% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE ADD VOL | $4K | — | $4K | 15.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE ADD VOL | — | $2K | $2K | 7.50% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 26.45% |
| KENNETH OLMSTEAD3 | 6037 BLACK NUBBLE 50 CARRABASSETT VALLEY, ME 04947 | TRUSTMARK INSURANCE COMPANY | $471 | — | $471 | 1.97% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | TRUSTMARK INSURANCE COMPANY - COMBO | $7K | — | $7K | 30.56% |
| KENNETH OLMSTEAD3 | 6037 BLACK NUBBLE 50 CARRABASSETT VALLEY, ME 04947 | TRUSTMARK INSURANCE COMPANY - COMBO | $762 | — | $762 | 3.21% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | UNITED OF OMAHA INSURANCE COMPANY - LTD | $1K | — | $1K | 15.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA INSURANCE COMPANY - LTD | — | $641 | $641 | 7.50% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 E CHESTNUT STREET STE 520 AUGUSTA, ME 04330 | UNITIED OF OMAHA LIFE INSURANCE COMPANY - LIFE AD&D | $176 | — | $176 | 9.99% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITIED OF OMAHA LIFE INSURANCE COMPANY - LIFE AD&D | — | $132 | $132 | 7.50% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE - DENTAL | 240 | $77K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 288 | $105K |
| Short-term disability(4 contracts, 4 carriers) | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 288 | $128K |
| Long-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 288 | $86K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY - LTD, VOL, LIFE, ADD | 288 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.