| 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 STREET SUITE 3B YARMOUTH, ME 04096 | HCC LIFE INSURANCE COMPANY | $16K | — | $16K | 6.50% |
| UIG INC DBA UNITED INSURANCE | 106 LAFAYETTE STREET SUITE 3B YARMOUTH, ME 04096 | HCC LIFE INSURANCE COMPANY | $9K | — | $9K | 3.50% |
| UIG INC DBA UNITED INSURANCE Filed as: UIG INC. | 470 FOREST AVENUE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.31% |
| O'HALLORAN, DANIEL J | 106 LAFAYETTE STREET SUITE 3B YARMOUTH, ME 04096 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| UIG INC DBA UNITED INSURANCE Filed as: UIG INC. | 470 FOREST AVENUE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $678 | — | $678 | 7.50% |
| COMBINED SERVICES LLC | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $678 | — | $678 | 7.50% |
| UIG INC DBA UNITED INSURANCE Filed as: UIG INC. | 470 FOREST AVENUE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 3.97% |
| COMBINED SERVICES LLC | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 3.97% |
| UIG INC DBA UNITED INSURANCE Filed as: UIG INC. | 470 FOREST AVENUE PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 3.37% |
| COMBINED SERVICES LLC | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 3.37% |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 88 | $252K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 50 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $28K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 88 | $252K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 88 | $252K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.