| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 383 US ROUTE 1 STE 1E, BOX 5 SCARBOROUGH, ME 04074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $161K | — | $161K | 4.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 383 US ROUTE 1 STE 1E, BOX 5 SCARBOROUGH, ME 04074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 2.97% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.56% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.43% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $423 | — | $423 | 0.22% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.53% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141 | — | $141 | 0.47% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFIT ADVISORS L | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 9.93% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $354 | — | $354 | 1.49% |
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 | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 217 | $194K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 323 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $189K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $189K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $219K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.