| 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 | 2.78% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.05% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.83% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.20% |
| CROSS BENEFIT SOLUTIONS3 | P O BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.03% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.53% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 11.60% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.23% |
| CROSS BENEFIT SOLUTIONS3 | P O BOX 469 AUGUSTA, ME 04330 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $658 | — | $658 | 2.61% |
| MCGARRY, MICHAEL, PATRICK0 | 9 DUNN ESTATES DR SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.89% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 9.83% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $346 | — | $346 | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATIENT ADVOCATES, LLC EIN 01-0525535 0 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 235 PORTLAND RD GREY, ME 04039 | $137K |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 358 | $285K |
| Dental | DELTA DENTAL PLAN OF MAINE | 517 | $175K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 321 | $23K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $176K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $329K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $231K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 358 | $285K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.