| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 2.46% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.32% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.58% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.09% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.15% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | RED TREE INSURANCE COMPANY, INC. | $687 | — | $687 | 6.63% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | RED TREE INSURANCE COMPANY, INC. | $258 | — | $258 | 2.49% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $142 | — | $142 | 1.37% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $633 | — | $633 | 8.10% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 293 | $1.6M |
| Dental | DELTA DENTAL PLAN OF MAINE | 127 | $113K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 93 | $10K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $193K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $161K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $161K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.