| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 6.57% |
| WILLIAM MURPHY3 | 100A PROCTOR ROAD RANGELEY, ME 04970 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.71% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, OH 01880 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.90% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.85% |
| WILLIAM MURPHY3 | 3498 MAIN STREET RANGELEY, ME 04970 | DELTA DENTAL PLAN OF MAINE | $743 | $0 | $743 | 1.25% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $533 | $0 | $533 | 0.90% |
| EASTERN BENEFITS GROUP3 | PO BOX 4000 WAKEFIELD, MA 01880 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.33% |
| WILLIAM MURPHY3 | 100A PROCTOR ROAD RANGELEY, ME 04970 | ANTHEM LIFE INSURANCE COMPANY | $982 | $0 | $982 | 2.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $460 | $0 | $460 | 4.70% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | VISION SERVICE PLAN | $189 | $0 | $189 | 1.93% |
| WILLIAM MURPHY3 Filed as: WILLIAM C. MURPHY | PO BOX 472 RANGELEY, ME 04970 | VISION SERVICE PLAN | $185 | $0 | $185 | 1.89% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 123 | $60K |
| Vision | VISION SERVICE PLAN | 75 | $10K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 148 | $148K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 148 | $148K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 148 | $148K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 148 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.