| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | AMERITAS LIFE INSURANCE CORP. | $6K | $175 | $7K | 10.27% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | 10 FREE STREET PORTLAND, ME 04112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 5.06% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 4.70% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $1 | $73 | 1.20% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 0.43% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTIONS INC. | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.43% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.21% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 206 | $65K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 206 | $65K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $47K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.