| 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. | $7K | $397 | $7K | 10.56% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | CIGNA GROUP INSURANCE | $6K | — | $6K | 15.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 5.45% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 2.51% |
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 1.57% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 1.35% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 1.32% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.71% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTIONS INC. | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.48% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | CIGNA GROUP INSURANCE | $571 | — | $571 | 14.99% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 222 | $71K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 222 | $71K |
| Life insurance | CIGNA GROUP INSURANCE | 270 | $40K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 270 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.