| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABRAM DURYEE3 | 75 JOHN ROBERTS ROAD SOUTH PORTLAND, ME 04106 | COMMUNITY HEALTH OPTIONS | $16K | $0 | $16K | 3.31% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE, SUITE 300 BEDFORD, NH 03110 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 5.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $850 | $0 | $850 | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF MAINE, INC. | $158 | $0 | $158 | 3.42% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY HEALTH OPTIONS | 66 | $483K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 140 | $36K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 140 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 110 | $8K |
| Prescription drug | COMMUNITY HEALTH OPTIONS | 66 | $483K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 110 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.