| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 1.67% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.71% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 | 116 COMMUNITY DR STE2 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $736 | — | $736 | 0.45% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.00% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.67% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 043320469 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.41% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.92% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 1388 BANGOR, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.66% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.48% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | P9 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $338 | — | $338 | 0.59% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 16.34% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $911 | — | $911 | 5.46% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $747 | — | $747 | 4.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATIENT ADVOCATES, LLC EIN 01-0525535 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 235 PORTLAND RD GREY, ME 04039 | $253K |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARETO | 521 | $481K |
| Dental | DELTA DENTAL PLAN OF MAINE | 496 | $162K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $161K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $278K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $204K |
| Stop-loss / reinsurancereinsurance | PARETO | 521 | $481K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.