| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY THOMPSON3 | 299 OCEAN HOUSE ROAD CAPE ELIZABETHY, ME 04107 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 5.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 SAINT LOUIS, MO 63195 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.95% |
| PHILLIP SOULE3 | 309 WIANNO AVENUE OSTERVILLE, MA 02655 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.54% |
| TIMOTHY ROONEY3 | 9462 BROWNSVILLE ROAD SUITE 146 LOUISVILLE, KY 40241 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.54% |
| TIMOTHY ROONEY3 | 9462 BROWNSBORO ROAD SUITE 146 LOUISVILLE, KY 40241 | ANTHEM HEALTH PLANS OF MAINE, INC | $2K | — | $2K | 2.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 SAINT LOUIS, MO 63195 | ANTHEM HEALTH PLANS OF MAINE, INC | $1K | — | $1K | 1.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 SAINT LOUIS, MO 63195 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 5.50% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC | 321 | $108K |
| Vision | VISION SERVICE PLAN | 209 | $20K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 258 | $134K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 258 | $134K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 258 | $134K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 258 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.