| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY DBA CROSS3 | 116 COMMUNITY DR STE2 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | — | $5K | $5K | 3.12% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 043320469 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 18.24% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 043320469 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.84% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.90% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 043320469 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.19% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 17.88% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.34% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 043320469 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $679 | — | $679 | 4.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATIENT ADVOCATES, LLC EIN 01-0525535 | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 235 PORTLAND RD GREY, ME 04039 | $256K |
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 | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IHC/ PARETO | 502 | $440K |
| Dental | DELTA DENTAL PLAN OF MAINE | 503 | $148K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $149K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $148K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $194K |
| Stop-loss / reinsurancereinsurance | IHC/ PARETO | 502 | $440K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 416 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.