| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 3.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 7.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $53 | — | $53 | 0.06% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST. BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.84% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $173 | — | $173 | 1.48% |
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 | 154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $1.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 219 | $85K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 158 | $12K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $139K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $139K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $139K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.