| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 041120599 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.55% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.04% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $174 | — | $174 | 1.35% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 4.59% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 1.81% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 1.35% |
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 1.30% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $1 | $69 | 1.18% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.55% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTIONS INC. | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.41% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $668 | — | $668 | 12.50% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $615 | — | $615 | 15.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | — | $58 | 14.95% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $100K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 214 | $13K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $60K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 289 | $388 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 289 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.