| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT WALKER3 | 2385 CONGRESS ST. PORTLAND, ME 04104 | COMMUNITY HEALTH OPTIONS | $31K | $0 | $31K | 1.85% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFITS ADVI | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $910 | $8K | 5.97% |
| COMMUNITY OPTIONS LLC3 | 150 MILL ST FL 3 LEWISTON, ME 042403101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.00% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $829 | $614 | $1K | 1.04% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | LLC 32 OAK ST. BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $823 | $0 | $823 | 1.28% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $547 | $0 | $547 | 0.85% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & COMPANY BENEFITS ADVI | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $239 | $4K | 11.75% |
| COMMUNITY OPTIONS LLC3 | 150 MILL ST FL 3 LEWISTON, ME 042403101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $169 | $2K | 4.34% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY HEALTH OPTIONS | 159 | $1.7M |
| Dental | DELTA DENTAL PLAN OF MAINE | 178 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $139K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.