| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EA SCRIBNER INSURANCE AGENCY3 | 482 CONGRESS STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $73 | $20K | 16.23% |
| MATTHEW S TASSEY3 Filed as: MATTHEW TASSEY | EA SCRIBNER INSURANCE AGENCY 482 CONGRESS STREET, SUITE 503 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.45% |
| EA SCRIBNER INSURANCE AGENCY3 | 482 CONGRESS STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $41 | $11K | 16.23% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 22.03% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $120 | $6K | 14.98% |
| EA SCRIBNER INSURANCE AGENCY3 | 482 CONGRESS STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $18 | $3K | 8.83% |
| EA SCRIBNER INSURANCE AGENCY3 | 482 CONGRESS STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $10 | $3K | 15.64% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 301 | $111K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $125K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $142K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.