| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EA SCRIBNER INSURANCE AGENCY3 | 383 US ROUTE 1 BOX 9 SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.00% |
| MATTHEW S TASSEY3 Filed as: MATTHEW TASSEY | EA SCRIBNER INSURANCE AGENCY 482 CONGRESS STREET, SUITE 503 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 4.20% |
| EA SCRIBNER INSURANCE AGENCY3 | 383 US ROUTE 1, BOX 9 SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| EA SCRIBNER INSURANCE AGENCY3 | 383 US ROUTE 1, BOX 9 SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.22% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $334 | $2K | 10.51% |
| EA SCRIBNER INSURANCE AGENCY3 | 383 US ROUTE 1 SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.66% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $825 | $825 | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $906 | — | $906 | 6.99% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $330 | $330 | 2.55% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 339 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $123K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $146K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $166K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.