| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY INSURANCE AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | AETNA LIFE INSURANCE COMPANY | $28K | — | $28K | 2.17% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.91% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.43% |
| HOLDEN AGENCY3 | 2331 CONGRESS ST PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 400 POST AVENUE WESTBURY, NY 11590 | GEISINGER HEALTH PLAN | $15K | — | $15K | 2.05% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.02% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | 116 COMMUNITY DR AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 1.94% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $227 | — | $227 | 0.27% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 3.54% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $307 | — | $307 | 0.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 400 POST AVENUE WESTBURY, NY 11590 | GEISINGER QUALITY OPTIONS, INC | $818 | — | $818 | 1.80% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.40% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.58% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 242 | $2.2M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF MAINE | 314 | $156K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 242 | $1.3M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 242 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 242 | $1.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 242 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.