| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC. | PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $12K | — | $12K | 4.39% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $9K | 10.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $2K | $8K | 10.31% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC. | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC. | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $174 | $3K | 16.08% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC. | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106 | $294 | $400 | 3.76% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 802 | $280K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 409 | $112K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 165 | $92K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 390 | $93K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 409 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.