| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&B HOLDINGS, INC THE O'HALLORAN GP3 Filed as: B&B HOLDINGS INC DBA THE O HALLORAN | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 040966125 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 4.00% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 2.83% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 14.98% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.75% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.05% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.34% |
| CROSS BENEFIT SOLUTIONS3 | P O BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $609 | — | $609 | 0.72% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 9.43% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.86% |
| CROSS BENEFIT SOLUTIONS3 | P O BOX 469 AUGUSTA, ME 04330 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $688 | — | $688 | 3.61% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | RED TREE INSURANCE COMPANY, INC. | $800 | — | $800 | 8.20% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $120 | — | $120 | 1.23% |
| 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 | $240K |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 368 | $277K |
| Dental | DELTA DENTAL PLAN OF MAINE | 535 | $169K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 295 | $10K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $167K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $309K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $224K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 368 | $277K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.