| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | HARVARD PILGRAM HEALTH CARE | $13K | — | $13K | 1.91% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | HARVARD PILGRAM HEALTH CARE | $5K | — | $5K | 0.67% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | HARVARD PILGRAM HEALTH CARE | $9K | — | $9K | 1.91% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | HARVARD PILGRAM HEALTH CARE | $3K | — | $3K | 0.67% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | HARVARD PILGRAM HEALTH CARE | $4K | — | $4K | 1.91% |
| BARRESI FINANCIAL INC3 | ONE CUMBERLAND PLACE SUITE 302 BANGOR, ME 04401 | HARVARD PILGRAM HEALTH CARE | $1K | — | $1K | 0.67% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.58% |
| BARRESI FINANCIAL INC3 | PO BOX 2520 BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.30% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 3.57% |
| BARRESI FINANCIAL INC3 | PO BOX 807 PRESQUE ISLE, ME 04769 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $847 | — | $847 | 1.41% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRAM HEALTH CARE | 98 | $1.4M |
| Dental | DELTA DENTAL PLAN OF MAINE | 171 | $60K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $103K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $103K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $103K |
| Other | STANDARD INSURANCE COMPANY | 117 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.