| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.5 | 1500 WEST PARK DRIVE, SUITE 330 WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | — | $110K | $110K | 39.53% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC | PO BOX 630 LEWISTON, ME 04243 | AMERITAS LIFE INSURANCE CORP. | $4K | $360 | $4K | 2.84% |
| BGA FINANCIAL3 Filed as: BGA FINANCIAL, INC | PO BOX 630 LEWISTON, ME 04243 | AMERITAS LIFE INSURANCE CORP. | $126 | $3K | $3K | 2.34% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | RELIANCE STANDARD LIFE INSURANCE CO. | — | $1K | $1K | 1.57% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC | PO BOX 630 LEWISTON, ME 04243 | RELIANCE STANDARD LIFE INSURANCE CO. | $735 | — | $735 | 0.91% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | RELIANCE STANDARD LIFE INSURANCE CO. | — | $713 | $713 | 1.54% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC | PO BOX 630 LEWISTON, ME 04243 | RELIANCE STANDARD LIFE INSURANCE CO. | $395 | — | $395 | 0.85% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | RELIANCE STANDARD LIFE INSURANCE CO. | — | $612 | $612 | 1.62% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC | PO BOX 630 LEWISTON, ME 04243 | RELIANCE STANDARD LIFE INSURANCE CO. | $310 | — | $310 | 0.82% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 223 | $279K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 470 | $137K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 470 | $137K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO. | 328 | $46K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 328 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 140 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.