| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | HARVARD PILGRAM HEALTH CARE | $25K | — | $25K | 3.24% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | HARVARD PILGRAM HEALTH CARE | $8K | — | $8K | 3.24% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $6K | — | $6K | 3.24% |
| BARRESI FINANCIAL INC3 | PO BOX 807 PRESQUE ISLE, ME 04769 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.55% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.19% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.99% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.05% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.43% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRAM HEALTH CARE | 171 | $1.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 289 | $100K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $50K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.