| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | PO BOX 469 AUGUSTA, ME 04332 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 8.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELMS ST FL 24 CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-MIDWEST | GRAND RAPIDS OPCO PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.39% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR AUGUSTA, ME 043308009 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 2.08% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD BLDG C S PORTLAND, ME 041066964 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 1.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER RD STE 600 HOUSTON, TX 770244145 | AMERITAS LIFE INSURANCE CORP | $507 | — | $507 | 0.72% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 198 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP | 198 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.