| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 3.67% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.98% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 4.90% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $572 | — | $572 | 0.87% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.31% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC | $1K | — | $1K | 9.84% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $169 | — | $169 | 1.48% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 16.26% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 16.46% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $387 | — | $387 | 9.71% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 174 | $719K |
| Dental | DELTA DENTAL PLAN OF MAINE | 158 | $66K |
| Vision | RED TREE INSURANCE COMPANY, INC | 117 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $68K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $68K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.