| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 136 ROUTE 1 SCARBOROUGH, ME 04074 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 5.67% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 1.93% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.05% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 721 | $215K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 721 | $255K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 486 | $404K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 486 | $404K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 486 | $404K |
| Other | HARTFORD LIFE AND ACCIDENT | 486 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.