| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT R KURTZ3 Filed as: ROBERT KURTZ | 160 E SHORE RD AUBURN, ME 04210 | AFLAC | $14K | $649 | $15K | 9.96% |
| ANCOR SERVICE CORPORATION3 | 1101 KING ST, STE 380 ALEXANDRIA, VA 22314 | AFLAC | $4K | — | $4K | 2.57% |
| PETER D GRIFFEY3 Filed as: PETER GRIFFEY | 529 EAST AVE LEWISTON, ME 04240 | AFLAC | $3K | — | $3K | 1.96% |
| SEFCU ASSET MGMT SERV/TBA SEFCU INS3 Filed as: SEFCU ASSET MANAGEMENT SERVICES, IN | 469 STATE STREET SCHENECTADY, NY 12305 | AFLAC | $3K | — | $3K | 1.84% |
| SCOTT HUNTLEY3 Filed as: SCOTT MCCOY | 108 STATE STREET, STE 1 BANGOR, ME 04401 | AFLAC | $1K | $125 | $2K | 0.99% |
| MEGAN KELLY3 | 12 ISLAND VIEW DR WESTBROOK, ME 04092 | AFLAC | $1K | $57 | $1K | 0.73% |
| JAMES BERGDOLL3 | 135 LASSELLE RD BURNHAM, ME 04922 | AFLAC | $1K | — | $1K | 0.71% |
| KARI COOK3 | 16 KELLY LANE HALFMOON, NY 12065 | AFLAC | $793 | $125 | $918 | 0.61% |
| JAKE ENTERPRISES INC3 Filed as: JAKE ENTERPRISES | P.O. BOX 1977 25 LOCKLAND DR WINDHAM, ME 04062 | AFLAC | $914 | — | $914 | 0.61% |
| MELISSA NELSON3 | 28 ARIEL STREET LINCOLN, ME 04457 | AFLAC | $734 | — | $734 | 0.49% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 4272 PERSIMMON WOODS DR NORTH CHARLESTON, SC 29420 | AFLAC | $447 | — | $447 | 0.30% |
| KRYSTEL GRIFFEY | 529 EAST AVE LEWISTON, ME 04240 | AFLAC | $320 | — | $320 | 0.21% |
| KEVIN DELANEY3 | 2 FAIRVIEW TER GREENLAND, NH 03840 | AFLAC | $318 | — | $318 | 0.21% |
| MARGARET ANN WOLARIK3 Filed as: MARGARET WOLARIK | 90 HIGHLAND AVE MIDLAND PARK, NJ 07432 | AFLAC | $199 | — | $199 | 0.13% |
| EVELYN BERGDOLL3 | 135 LASSELLE RD BURNHAM, ME 04922 | AFLAC | $197 | — | $197 | 0.13% |
| KAILEB TURCOTTE3 | 12 LAURIER ST #2 LEWISTON, ME 04240 | AFLAC | $190 | — | $190 | 0.13% |
| BETH SERFILIPPI3 | 8 HILLSTONE CT BALLSTON LAKE, NY 12019 | AFLAC | $172 | — | $172 | 0.11% |
| WILLIAM HENRY3 | ONE SUNDIAL AVE, STE 212N MANCHESTER, NH 03103 | AFLAC | $166 | $2 | $168 | 0.11% |
| JOHN WALSH3 | 306 CENTER RD FAIRFIELD, ME 04937 | AFLAC | $144 | — | $144 | 0.10% |
| STEVEN GILBERT3 | 11 BORNHEIMER PL SCARBOROUGH, ME 04074 | AFLAC | $141 | — | $141 | 0.09% |
| JEFF FAST3 | 327 INTERVALE ROAD NEW GLOUCESTER, ME 04260 | AFLAC | $120 | — | $120 | 0.08% |
| NICOLE JOHNSON3 | 131 SUMMER ST APT 2 LEWISTON, ME 04240 | AFLAC | $117 | — | $117 | 0.08% |
| DARRYL J YOUNG3 Filed as: DARRYL YOUNG | 3820 GOLD CITY RD FRANKLIN, KY 42134 | AFLAC | $99 | — | $99 | 0.07% |
| SCOTT HUNTLEY3 | 108 STATE STREET, STE 1 BANGOR, ME 04401 | AFLAC | $77 | — | $77 | 0.05% |
| KARLIE LUNDSTROM3 | 320 MAIN ST #B BREWER, ME 04412 | AFLAC | $28 | — | $28 | 0.02% |
| DANIEL SAUCIER3 | P.O. BOX 64 ETNA, ME 04434 | AFLAC | $23 | — | $23 | 0.02% |
| SCOTT A HOWARD3 Filed as: SCOTT HOWARD | 9 WHITE BRIDGE RD WINDHAM, ME 04062 | AFLAC | $17 | — | $17 | 0.01% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS ROAD, STE 600 TARRYTOWN, NY 10591 | AFLAC | $17 | — | $17 | 0.01% |
| JONATHAN BURGESS3 | 31 NATHAN CUTLER DR BEDFORD, NH 03110 | AFLAC | $9 | — | $9 | 0.01% |
| LISA ENERSON3 | 411 GROVE ST HUDSON, MI 49247 | AFLAC | $4 | — | $4 | 0.00% |
| KARIE LYNN HOOTMAN3 Filed as: KARIE HOOTMAN | 34 N HOWELL ST HILLSDALE, MI 49242 | AFLAC | $1 | — | $1 | 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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 290 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.