| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 7.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 9.83% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 12.37% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES INC | PO BOX 599 PORTLAND, ME 04112 | AMERITAS LIFE INSURANCE CORP | $228 | $5 | $233 | 10.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $3K |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $306K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORP | 50 | $2K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 114 | $42K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 114 | $42K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 114 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.