| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY THOMPSON3 | 299 OCEAN HOUSE ROAD CAPE ELIZABETH, ME 04107 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 1.98% |
| TIMOTHY ROONEY3 | 9462 BROWNSBORO ROAD SUITE 146 LOUISVILLE, KY 40241 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 1.98% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, #330 SOUTHBOROUGH, MA 017722123 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS INC 144 TURNPIKE ROAD, #330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $8K | 8.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS INC. 144 TURNPIKE ROAD, #330 SOUTHBOROUGH, MA 01772 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $2K | $8K | 8.62% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 890 | $350K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 579 | $113K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 197 | $90K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 408 | $97K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 579 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.