| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL WORKSITE BENEFIT GROUP3 | PO BOX 86 GARDINER, ME 04345 | ANTHEM HEALTH PLANS OF MAINE - DENTAL | $3K | — | $3K | 3.76% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INS STD VOLUNTARY | — | $8K | $8K | 12.89% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 EAST CHESTNUT ST STE 520 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INS STD VOLUNTARY | $4K | — | $4K | 6.89% |
| COMBINED SERVICES LLC3 | 2 DELTA DR ST 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE ADD VOL | — | $6K | $6K | 13.26% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE ADD VOL | $6K | — | $6K | 12.77% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GRP INC | 6 EAST CHESTNUT ST STE 520 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $1K | — | $1K | 5.53% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT STREET 520 AUGUSTA, ME 04330 | UNITED OF OMAHA INSURANCE COMPANY - LTD | $3K | — | $3K | 13.71% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNITED OF OMAHA INSURANCE COMPANY - LTD | — | $3K | $3K | 13.45% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | UNITED OF OMAHA - CRITICAL ILLNESS VOL | $3K | — | $3K | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE STE 301 CONCORD, NH 03301 | UNITED OF OMAHA - CRITICAL ILLNESS VOL | — | $2K | $2K | 13.36% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST 520 AUGUSTA, ME 04330 | UNITED OF OMAHA -ACCIDENT ONLY VOL | $2K | — | $2K | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE ST 301 CONCORD, NH 03301 | UNITED OF OMAHA -ACCIDENT ONLY VOL | — | $2K | $2K | 13.52% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNITIED OF OMAHA LIFE INSURANCE COMPANY - LIFE AD&D | — | $415 | $415 | 12.23% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | UNITIED OF OMAHA LIFE INSURANCE COMPANY - LIFE AD&D | $339 | — | $339 | 9.99% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE - DENTAL | 231 | $84K |
| Vision | VISION SERVICE PLAN | 125 | $20K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY LIFE ADD VOL | 243 | $50K |
| Short-term disability(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INS STD VOLUNTARY | 243 | $126K |
| Long-term disability | UNITED OF OMAHA INSURANCE COMPANY - LTD | 37 | $19K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INS STD VOLUNTARY | 118 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.