| 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. | $32K | $3K | $35K | 3.14% |
| ONESOURCE BENEFIT SOLUTIONS3 | 395 OAK HILL RD SUITE 210 MOUNTAIN TOP, PA 18707 | GEISINGER HEALTH PLAN | $10K | $30 | $10K | 2.90% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | LLC 383 US ROUTE 1 STE 1E SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.69% |
| ONESOURCE BENEFIT SOLUTIONS3 | 395 OAK HILL RD SUITE 210 MOUNTAIN TOP, PA 18707 | GEISINGER QUALITY OPTIONS, INC. | $600 | $30 | $630 | 2.10% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 247 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 247 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 244 | $113K |
| Short-term disability | STANDARD INSURANCE COMPANY | 244 | $113K |
| Long-term disability | STANDARD INSURANCE COMPANY | 244 | $113K |
| Other | STANDARD INSURANCE COMPANY | 244 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.