| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | AETNA HEALTH, INC. | $22K | — | $22K | 2.15% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | AETNA LIFE INSURANCE CO | $19K | $3K | $22K | 2.49% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.14% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 5.41% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $69 | — | $69 | 0.10% |
| ATLANTIC INSURANCE & BENEFITS3 | 58 HIGH STREET BELFAST, ME 04915 | RED TREE INSURANCE COMPANY INC. | $559 | — | $559 | 9.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC. | $84 | — | $84 | 1.49% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 88 | $1.9M |
| Dental | DELTA DENTAL PLAN OF MAINE | 172 | $67K |
| Vision | RED TREE INSURANCE COMPANY INC. | 93 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 115 | $122K |
| Short-term disability | STANDARD INSURANCE COMPANY | 115 | $122K |
| Long-term disability | STANDARD INSURANCE COMPANY | 115 | $122K |
| Other | STANDARD INSURANCE COMPANY | 115 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.