| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMETRA LIFE INSURANCE COMPANY3 Filed as: SYMETRA | 777 108TH AVE NE BELLEVUE, WA 98004 | PATIENT ADVOCATES LLC | — | $401K | $401K | 54.00% |
| PHCS5 Filed as: MULTIPLAN | 115 FIFTH AVENUE NEW YORK, NY 10003 | PATIENT ADVOCATES LLC | — | $7K | $7K | 0.92% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | STARMOUNT LIFE INSURANCE COMPANY | $698 | — | $698 | 0.75% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $165 | — | $165 | 0.75% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $163 | — | $163 | 0.75% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | — | $125 | 0.74% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $43 | — | $43 | 0.78% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $55 | — | $55 | 1.04% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $47 | — | $47 | 1.16% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PATIENT ADVOCATES LLC | 188 | $742K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 137 | $93K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 137 | $93K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26 | $22K |
| Stop-loss / reinsurancereinsurance | PATIENT ADVOCATES LLC | 188 | $742K |
| Other(3 contracts) | UNUM INSURANCE COMPANY | 33 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.