| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA HEALTH, INC. | $74K | — | $74K | 2.34% |
| HOLDEN AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE CO. | $17K | $8K | $25K | 5.67% |
| HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 7.96% |
| HOLDEN AGENCY | 1085 BRIGHTON AVENUE PO BOX 10610 PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 3.73% |
| COMBINED SERVICES LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.95% |
| HOLDEN AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | UNUM LIFE INSURANCE OF AMERICA | $8K | $915 | $9K | 17.58% |
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 | 330 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 73 | $442K |
| Dental | DELTA DENTAL PLAN OF MAINE | 430 | $180K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 330 | $212K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 330 | $212K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 330 | $212K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 330 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.