| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY INC | PO BOX 578 CAMDEN, ME 04843 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 4.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $8K | $8K | 4.88% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $620 | $5K | 5.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.83% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY INC | PO BOX 578 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.88% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY INC | PO BOX 578 CAMDEN, ME 04843 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.87% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $4K | $188 | $4K | 11.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $418 | — | $418 | 1.22% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL INSURANCE | PO BOX 207 CAMDEN, ME 04843 | UNUM INSURANCE COMPANY | $3K | $233 | $4K | 11.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $368 | — | $368 | 1.23% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY INC | 31 CHESTNUT STREET CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 10.58% |
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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 248 | $159K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 352 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $74K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
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.