| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 | P.O. BOX 469 AUGUSTA, ME 043320469 | HARVARD PILGRIM HEALTH CARE - HMO HSAE HRA | $13K | — | $13K | 4.28% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE - HMO HRA | $7K | — | $7K | 4.28% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE | $2K | — | $2K | 5.59% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04332 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $499 | $4K | 10.05% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | $2K | $139 | $2K | 14.19% |
| BUSINESS INSURANCE AGENCY3 | P.O. BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE - HSAE HRA | $231 | — | $231 | 4.27% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE - HMO HSAE NOHRA/CO | $154 | — | $154 | 4.27% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04332 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 12.47% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTIONS, INC. | 401 CUMBERLAND AVE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $2 | $111 | 4.63% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $1 | $53 | 2.21% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.63% |
| PAMELA HUNTINGTON3 | 127 SHAKER RD, LOT 30 GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.42% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE - HMO HSAE HRA | 55 | $475K |
| Dental | ANTHEM HEALTH PLANS OF MAINE | 79 | $39K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 122 | $17K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $36K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.