| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $70K | — | $70K | 2.52% |
| HOLDEN AGENCY Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE INSURANCE CO | $27K | — | $27K | 2.52% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE AND ACCIDENT | $1.4M | $0 | $1.4M | 598.85% |
| HOLDEN AGENCY Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 3.80% |
| COMBINED SERVICES LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.98% |
| HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.16% |
| HOLDEN AGENCY Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 9.15% |
| COMBINED SERVICES LLC | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $344 | — | $344 | 1.37% |
| HOLDEN AGENCY Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $357 | — | $357 | 2.52% |
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. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 441 | $214K |
| Vision | RED TREE INSURANCE COMPANY, INC | 326 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 332 | $233K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $233K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $233K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.