| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04330 | AETNA HEALTH, INC | $33K | — | $33K | 2.87% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | PO BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE CO. | $4K | $1K | $5K | 4.09% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 043320469 | NORTHEAST DELTA DENTAL | $3K | — | $3K | 4.62% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | NORTHEAST DELTA DENTAL | — | — | $0 | 0.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $124 | $8K | 15.24% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 043320469 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.36% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.90% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04332 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $723 | — | $723 | 11.30% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $802 | — | $802 | 15.01% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY, INC | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $372 | — | $372 | 14.98% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 12 | $124K |
| Dental | NORTHEAST DELTA DENTAL | 184 | $68K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $52K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.