| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $733 | $293 | $1K | 6.78% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVENUE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.30% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 10.90% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $207 | — | $207 | 1.63% |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 137 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 645 | $86K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 471 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $15K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 620 | $85K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,035 | — |
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.