| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 1.80% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.22% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.86% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.09% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.05% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $842 | — | $842 | 1.06% |
| HOLDEN AGENCY3 | PO BOX 10610 PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | $451 | — | $451 | 6.64% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | $228 | — | $228 | 3.36% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$3 | $1K | $1K | — |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 254 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF MAINE | 282 | $79K |
| Vision | ANTHEM HEALTH PLANS OF MAINE | 128 | $7K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 120 | $89K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 120 | $89K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 120 | $89K |
| Other | AETNA LIFE INSURANCE COMPANY | 120 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.