| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $29K | $2K | $31K | 8.74% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS AN ALE | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 6.41% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $948 | $948 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS DRIVE CHICAGO, IL 60693 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 1.47% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY LLC 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS DRIVE CHICAGO, IL 60693 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 6.63% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY LLC 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC | $911 | — | $911 | 3.35% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $407 | — | $407 | 1.50% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 416 | $146K |
| Vision | RED TREE INSURANCE COMPANY, INC | 270 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $356K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $356K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $356K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 285 | $139K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 369 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.