| 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 | $34K | — | $34K | 3.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC | ATTN OLGA BALDOS WESTBURY, NY 15590 | GEISINGER HEALTH PLAN | $17K | $6 | $17K | 2.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC | ATTN OLGA BALDOS WESTBURY, NY 15590 | GEISINGER QUALITY OPTIONS, INC | $2K | $6 | $2K | 0.99% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 13.55% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 4.02% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $294 | $3K | 15.03% |
| CROSS BENEFIT SOLUTIONS3 | 11 COMMUNITY DRIVE, PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 1.35% |
| VARNEY & COMPANY BENEFITS ADVISORS Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.21% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 154 | $1.9M |
| Dental | DELTA DENTAL PLAN OF MAINE | 294 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 237 | $133K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 237 | $133K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 237 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
No prospect flags tripped on this filing.