| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043320469 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.30% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | P.O. BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 6.75% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | P.O. BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $896 | $8K | 17.00% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.82% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 24.17% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW C CROSS AGENCY | 491 MAIN STREET BANGOR, ME 04401 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 16.11% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 25.91% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW C CROSS AGENCY | 491 MAIN STREET BANGOR, ME 04401 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 17.28% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 1.98% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $142K |
| Short-term disability(6 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 339 | $273K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 339 | $225K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.