| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $46K | — | $46K | 1.79% |
| HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 1.79% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 6.84% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 3.13% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.95% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | 116 COMMUNITY DRIVE STE 2 PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $962 | — | $962 | 0.55% |
| HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.96% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04104 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 8.79% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1032 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $292 | — | $292 | 1.55% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | 116 COMMUNITY DR STE 2 AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY, INC | $291 | — | $291 | 1.54% |
| HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $218 | — | $218 | 1.79% |
| HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $137 | — | $137 | 1.79% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 381 | $176K |
| Vision | RED TREE INSURANCE COMPANY, INC | 231 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 300 | $199K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 300 | $199K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 300 | $199K |
| Other(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 288 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.