| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU INSURANCE SOLUTIONS, LLC3 Filed as: CU INSURANCE SOLUTIONS, INC | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 2.43% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.21% |
| CU INSURANCE SOLUTIONS, LLC3 Filed as: CU INSURANCE SOLUTIONS, INC | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.66% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.79% |
| CU INSURANCE SOLUTIONS, LLC3 Filed as: CU INSURANCE SOLUTIONS LLC | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 3.92% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | DELTA DENTAL PLAN OF MAINE | $521 | — | $521 | 0.34% |
| CU INSURANCE SOLUTIONS, LLC3 Filed as: CU INSURANCE SOLUTIONS, INC | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.73% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.48% |
| CU INSURANCE SOLUTIONS, LLC3 Filed as: CU INSURANCE SOLUTIONS, INC | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 18.27% |
| INSURANCE TRUST3 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.72% |
| INSURANCE TRUST3 Filed as: CU INSURANCE TRUST | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.22% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $229 | — | $229 | 1.51% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 343 | $1.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 312 | $155K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 245 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $249K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $200K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.