| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HPHC INSURANCE COMPANY | $38K | $6K | $44K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE | $7K | $1K | $8K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $6K | $0 | $6K | 4.13% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 10.76% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.92% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $130 | $1K | 7.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 10.08% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $174 | $0 | $174 | 1.51% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 13.04% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $953 | $83 | $1K | 9.45% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $942 | $0 | $942 | 11.86% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $556 | $68 | $624 | 7.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, | PO BOX 696 300 BALLARDVALE ST WILMINGTON, MA 01887 | UNUM INSURANCE COMPANY | $71 | $21 | $92 | 1.16% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $578 | $0 | $578 | 7.49% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $332 | $55 | $387 | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, | PO BOX 696 300 BALLARDVALE WILMINGTON, MA 01887 | UNUM INSURANCE COMPANY | $54 | $21 | $75 | 0.97% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 180 | $2.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 257 | $134K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 158 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $132K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $115K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.