| 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 | $23K | — | $23K | 5.64% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $322 | $6K | 10.53% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOICATES, INC | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, AE 041120599 | DELTAVISION | $523 | — | $523 | 9.21% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 033021320 | DELTAVISION | $78 | — | $78 | 1.37% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 PORTLAND, ME 04112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $650 | — | $650 | 15.01% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $412K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $61K |
| Vision | DELTAVISION | 99 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $9K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.