| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 STE 1E SCARBOROUGH, ME 04074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $99K | — | $99K | 0.89% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 STE 1E SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.87% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 STE 1E SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.02% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 STE 1E SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY ST, 7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $1K | — | $1K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 1.19% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 1.07% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.76% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CO. PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.67% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.55% |
| DEBORAH ANN SULLIVAN3 | 12 PINE COVE ROAD GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.43% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY ST, 7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $49 | — | $49 | 15.08% |
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 | 949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,834 | $11.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,834 | $11.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,029 | $42K |
| Short-term disability | STANDARD INSURANCE COMPANY | 468 | $119K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,031 | $133K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,834 | $11.1M |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,031 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.