| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $32K | — | $32K | 4.02% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $19K | — | $19K | 4.00% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.78% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.44% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $295 | — | $295 | 2.60% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $155 | — | $155 | 2.44% |
| BUSINESS INSURANCE AGENCY3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $109 | — | $109 | 3.99% |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 169 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 283 | $151K |
| Vision | STANDARD INSURANCE COMPANY | 283 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $159K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $159K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.