| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBM INC.3 Filed as: EBM, INC. | 174 S FREEPORT RD STE 1C FREEPORT, ME 04032 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.88% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $956 | — | $956 | 0.86% |
| EBM INC.3 Filed as: EBM, INC. | 174 S FREEPORT RD STE 1C FREEPORT, ME 04032 | VISION SERVICE PLAN | $478 | — | $478 | 2.01% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST STE 520 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $387 | — | $387 | 1.62% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | VISION SERVICE PLAN | $371 | — | $371 | 1.56% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.79% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL GROUP | 31 CHESTNUT STREET CAMDEN, ME 04843 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 16.26% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 257 | $112K |
| Vision | VISION SERVICE PLAN | 177 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $8K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.