| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS DRIVE CHICAGO, IL 60693 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 1.78% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $744 | — | $744 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 5.91% |
| ADVANCED RISK ASSOCIATES LLC3 | 25 SHAKER ROAD GRAY, ME 04039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $336 | — | $336 | 0.17% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVENUE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$122 | — | -$122 | -0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $982 | $21K | 14.91% |
| ADVANCED RISK ASSOCIATES LLC3 | 25 SHAKER ROAD GRAY, NE 04039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS DRIVE CHICAGO, IL 60693 | RED TREE INSURANCE COMPANY, INC. | $5K | — | $5K | 9.13% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $875 | — | $875 | 1.47% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $392 | — | $392 | 0.66% |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 1,054 | $387K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 872 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 739 | $196K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 739 | $196K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 739 | $196K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 635 | $326K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 739 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.