| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY | 383 US ROUTE 1 SCARBOROUGH, ME 04074 | HARVARD PILGRIM HEALTH CARE | $96K | — | $96K | 1.41% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $53K | — | $53K | 1.40% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $40K | — | $40K | 1.42% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY | 383 US ROUTE 1 SUITE 1E BOX 5 SCARBOROUGH, ME 04074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.61% |
| 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 | $3K | — | $3K | 15.00% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $46 | $144 | 4.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $0 | $133 | 3.85% |
| DEBORAH ANN SULLIVAN3 | 12 PINE COVE ROAD GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 2.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 1.50% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 1.07% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CO. PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.69% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.58% |
| JEFFREY MCLAUGHLIN3 | 108 STATE STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $12 | $15 | 0.43% |
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 | 999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 1,045 | $13.4M |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 925 | $143K |
| Life insurance | STANDARD INSURANCE COMPANY | 986 | $395K |
| Short-term disability | STANDARD INSURANCE COMPANY | 480 | $199K |
| Long-term disability | STANDARD INSURANCE COMPANY | 998 | $181K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 998 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.