| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | AETNA LIFE INSURANCE CO | $31K | — | $31K | 3.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER HEALTH PLAN | $17K | $6 | $17K | 2.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC | ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | GEISINGER QUALITY OPTIONS, INC | $1K | $6 | $1K | 1.64% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.53% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.35% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.32% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 284 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO | 284 | $974K |
| Life insurance | STANDARD INSURANCE COMPANY | 213 | $34K |
| Short-term disability | STANDARD INSURANCE COMPANY | 99 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 73 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Final-filing indicator set. Plan is winding down; don't waste sales effort here.