| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS DRIVE CHICAGO, IL 60693 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 2.26% |
| ADVANCED RISK ASSOCIATES LLC3 Filed as: ADVANCED RISK ASSOC., LLC | 25 SHAKER ROAD PO BOX 1959 GRAY, ME 04039 | DELTA DENTAL PLAN OF MAINE | $221 | — | $221 | 0.09% |
| ADVANCED RISK ASSOCIATES LLC3 | 25 SHAKER ROAD GRAY, ME 04039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 14.97% |
| ALLIED BENEFIT SYSTEMS, LLC3 | 200 WEST ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $239 | — | $239 | 0.13% |
| ADVANCED RISK ASSOCIATES LLC3 | 25 SHAKER ROAD GRAY, ME 04039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.33% |
| ADVANCED RISK ASSOCIATES LLC3 | 25 SHAKER ROAD GRAY, ME 04039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.60% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 42.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 24.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS DRIVE CHICAGO, IL 60693 | RED TREE INSURANCE COMPANY, INC | $4K | — | $4K | 10.92% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $676 | — | $676 | 1.70% |
| ADVANCED RISK ASSOCIATES LLC3 Filed as: ADVANCED RISK ASSOC., LLC | 25 SHAKER ROAD PO BOX 1959 GRAY, ME 04039 | RED TREE INSURANCE COMPANY, INC | $151 | — | $151 | 0.38% |
| ALLIED BENEFIT SYSTEMS, LLC3 | 200 WEST ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $216 | — | $216 | 0.60% |
| ADVANCED RISK ASSOCIATES LLC3 | 25 SHAKER ROAD GRAY, ME 04039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | — | $110 | 9.99% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 445 | $237K |
| Vision | RED TREE INSURANCE COMPANY, INC | 405 | $40K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $313K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $411K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $411K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 309 | $216K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
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.