| 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. | $28K | — | $28K | 3.44% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAIN OF MAINE | $4K | — | $4K | 4.95% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAIN OF MAINE | $663 | — | $663 | 0.84% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $527 | $7K | 10.03% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC | $1K | — | $1K | 9.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $197 | — | $197 | 1.49% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $60 | $1K | 15.74% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $84 | $1K | 16.15% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $344 | $51 | $395 | 7.34% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 187 | $827K |
| Dental | DELTA DENTAL PLAIN OF MAINE | 181 | $79K |
| Vision | RED TREE INSURANCE COMPANY, INC | 139 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $70K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
No prospect flags tripped on this filing.