| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $4K | $12K | 7.42% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 578 CAMDEN, ME 04843 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 4.99% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $692 | $5K | 5.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 9.00% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 578 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.52% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 578 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 9.00% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | 31 CHESTNUT STREET CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $4K | — | $4K | 9.45% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $3K | $175 | $4K | 11.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $388 | — | $388 | 1.25% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $6K | $442 | $6K | 19.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $628 | — | $628 | 2.03% |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 265 | $165K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 537 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $79K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.
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.