| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 301N BRAIFCLIFF MANOR, NY 10510 | HARVARD PILGRIM HEALTH CARE | $18K | $0 | $18K | 2.12% |
| CLARK INSURANCE3 | UNKNOWN WINSLOW, ME 04901 | HARVARD PILGRIM HEALTH CARE | $15K | $0 | $15K | 1.77% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD, SUITE 301N BRAIFCLIFF MANOR, NY 10510 | HPHC INSURANCE COMPANY | $11K | $0 | $11K | 2.14% |
| CLARK INSURANCE3 | UNKNOWN WINSLOW, ME 04901 | HPHC INSURANCE COMPANY | $10K | $0 | $10K | 1.79% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET, BUILDING A PORTLAND, ME 04102 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 2.59% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $900 | $0 | $900 | 1.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.21% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.40% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET, BUILDING A PORTLAND, ME 04102 | RED TREE INSURANCE COMPANY, INC. | $617 | $0 | $617 | 5.73% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $162 | $0 | $162 | 1.51% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 157 | $1.4M |
| Dental | DELTA DENTAL PLAN OF MAINE | 216 | $78K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 128 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $45K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 157 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.