| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT R KURTZ3 Filed as: ROBERT KURTZ | 160 E SHORE RD AUBURN, ME 04210 | AFLAC | $34K | $2K | $35K | 15.96% |
| PETER D GRIFFEY3 Filed as: PETER GRIFFEY | 529 EAST AVE LEWISTON, ME 04240 | AFLAC | $13K | $942 | $14K | 6.30% |
| JAKE ENTERPRISES INC3 Filed as: JAKE ENTERPRISES | PO BOX 1977 25 LOCKLAND DR WINDHAM, ME 04062 | AFLAC | $4K | $509 | $4K | 1.97% |
| ANCOR SERVICE CORPORATION3 | 1101 KING ST STE 380 ALEXANDRIA, VA 22314 | AFLAC | $2K | — | $2K | 1.09% |
| SEFCU ASSET MGMT SERV/TBA SEFCU INS3 Filed as: SEFCU ASSET MANAGEMENT SERVICES, LL | 469 STATE STREET SCHENECTADY, NY 12305 | AFLAC | $2K | — | $2K | 0.78% |
| KRYSTEL GRIFFEY3 | 529 EAST AVE LEWISTON, ME 04240 | AFLAC | $2K | $76 | $2K | 0.76% |
| KAILEB TURCOTTE3 | 12 LAURIER ST 2 LEWISTON, ME 04240 | AFLAC | $893 | $47 | $940 | 0.42% |
| JAMES BERGDOLL3 | 135 LASSELLE RD BURNHAM, ME 04922 | AFLAC | $906 | — | $906 | 0.41% |
| NICOLE JOHNSON3 | 131 SUMMER ST APT 2 LEWISTON, ME 04240 | AFLAC | $779 | $55 | $834 | 0.38% |
| STEVEN GILBERT3 | 11 BORNHEIMER PL SCARBOROUGH, ME 04074 | AFLAC | $723 | $63 | $786 | 0.35% |
| MELISSA NELSON3 | 28 ARIEL STREET LINCOLN, ME 04457 | AFLAC | $687 | — | $687 | 0.31% |
| JEFF FAST3 | 327 INTERVALE ROAD NEW GLOUCESTER, ME 04240 | AFLAC | $489 | $11 | $500 | 0.23% |
| JAMES (JAY) GRIMES4 Filed as: JAMES GRIMES | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $418 | — | $418 | 0.19% |
| SCOTT HUNTLEY3 Filed as: SCOTT MCCOY | 108 STATE STREET STE 1 BANGOR, ME 04401 | AFLAC | $411 | — | $411 | 0.19% |
| KEVIN DELANEY3 | 2 FAIRVIEW TER GREENLAND, NH 03840 | AFLAC | $231 | — | $231 | 0.10% |
| MARGARET ANN WOLARIK3 Filed as: MARGARET WOLARIK | 90 HIGHLAND AVE MIDLAND PARK, NJ 07432 | AFLAC | $195 | — | $195 | 0.09% |
| KARI COOK3 | 16 KELLY LANE HALFMOON, NY 12065 | AFLAC | $191 | — | $191 | 0.09% |
| EVELYN BERGDOLL3 | 135 LASSELLE RD BURNHAM, ME 04922 | AFLAC | $184 | — | $184 | 0.08% |
| JENNIFER ALLEN3 | 20 WOODSIDE DRIVE LEWISTON, ME 04240 | AFLAC | $123 | — | $123 | 0.06% |
| JOHN WALSH3 | 306 CENTER RD FAIRFIELD, ME 04937 | AFLAC | $117 | — | $117 | 0.05% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $108 | — | $108 | 0.05% |
| JENNIFER L HENRY3 Filed as: JENNIFER HENRY | 68 MASSABESIC DRIVE AUBURN, NH 03032 | AFLAC | $105 | — | $105 | 0.05% |
| SCOTT A HOWARD3 Filed as: SCOTT HOWARD | 9 WHITE BRIDGE RD WINDHAM, ME 04062 | AFLAC | $87 | $13 | $100 | 0.05% |
| CHRISTOPHER MOORE3 | 105 LATOUR WAY GREENVILLE, SC 29651 | AFLAC | $95 | — | $95 | 0.04% |
| WILLIAM HENRY3 | ONE SUNDIAL AVE STE 212N MANCHESTER, NH 03103 | AFLAC | $94 | — | $94 | 0.04% |
| COLIN SACHS3 | 37 STATE PARK RD NAPLES, ME 04055 | AFLAC | $74 | — | $74 | 0.03% |
| DARRYL J YOUNG3 Filed as: DARRYL YOUNG | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $62 | — | $62 | 0.03% |
| SCOTT HUNTLEY3 | 108 STATE STREET STE 1 BANGOR, ME 04401 | AFLAC | $56 | — | $56 | 0.03% |
| JONATHAN BURGESS3 | 31 NATHAN CUTLER DR BEDFORD, NH 03110 | AFLAC | $43 | $4 | $47 | 0.02% |
| MAURICE GOWELL3 | 41 LEMONT AVE LEWISTON, ME 04240 | AFLAC | $40 | — | $40 | 0.02% |
| MEGAN KELLY3 | 12 ISLAND VIEW DR WESTBROOK, ME 04092 | AFLAC | $27 | — | $27 | 0.01% |
| DANIEL SAUCIER3 | PO BOX 64 ETNA, ME 04434 | AFLAC | $19 | — | $19 | 0.01% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS ROAD STE 600 TARRYTOWN, NY 10591 | AFLAC | $9 | — | $9 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $3 | — | $3 | 0.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 243 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.