| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 041043543 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 3.59% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.57% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 041043543 | AETNA HEALTH, INC. | $17K | — | $17K | 3.20% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA HEALTH, INC. | $8K | — | $8K | 1.49% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 041043543 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 7.69% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET P.O. BOX 3543 PORTLAND, ME 041013543 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.87% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $152 | — | $152 | 1.49% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 166 | $1.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 167 | $158K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 103 | $10K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 167 | $158K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 167 | $158K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 167 | $158K |
| Other | UNION SECURITY INSURANCE COMPANY | 167 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.