| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: B&B HOLDINGS INC DBA THE OHALLORAN | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 040966125 | HCC LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| B&B HOLDINGS INC | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.00% |
| B&B HOLDINGS INC | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.65% |
| B&B HOLDINGS INC Filed as: B&B HOLDINGS INC. | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $776 | — | $776 | 6.79% |
| COMBINED SERVICES LLC | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $776 | — | $776 | 6.79% |
| B&B HOLDINGS INC | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $838 | — | $838 | 7.68% |
| COMBINED SERVICES LLC | 2 DELTA DRIVE STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $838 | — | $838 | 7.68% |
| B&B HOLDINGS INC Filed as: B&B HOLDINGS INC. | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 49.93% |
| COMBINED SERVICES LLC | 2 DELTA DRIVE STE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 49.93% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 118 | $303K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $34K |
| Vision | HCC LIFE INSURANCE COMPANY | 118 | $303K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $37K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 118 | $303K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 118 | $303K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.