| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $12K | — | $12K | 0.56% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 0.55% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 2331 CONGRESS STREET PORTLAND, ME 04112 | HARVARD PILGRIM HEALTH CARE | $142 | — | $142 | 0.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 0.57% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 0.56% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 2331 CONGRESS STREET PORTLAND, ME 04112 | HARVARD PILGRIM HEALTH CARE | $130 | — | $130 | 0.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 1.95% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 1.15% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.96% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 383 US ROUTE 1 STE 1E, BOX 5 SCARBOROUGH, ME 04074 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.68% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.05% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.63% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 8.81% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $141 | — | $141 | 0.60% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $138 | — | $138 | 0.59% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 2331 CONGRESS STREET PORTLAND, ME 04112 | HARVARD PILGRIM HEALTH CARE | $2 | — | $2 | 0.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY INC | $991 | — | $991 | 5.04% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY INC | $598 | — | $598 | 3.04% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 383 US ROUTE 1 STE 1E, BOX 5 SCARBOROUGH, ME 04074 | RED TREE INSURANCE COMPANY INC | $352 | — | $352 | 1.79% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC | $291 | — | $291 | 1.48% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $6 | — | $6 | 0.15% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $6 | — | $6 | 0.15% |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 402 | $189K |
| Vision | RED TREE INSURANCE COMPANY INC | 281 | $20K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $185K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $154K |
| Other(2 contracts) | HARVARD PILGRIM HEALTH CARE | 285 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.