| 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 | HPHC INSURANCE COMPANY | $21K | — | $21K | 3.52% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 3.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY AGENCY INC | 136 US ROUTE ONE SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 24.30% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 383 US ROUTE 1 SUITE SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.81% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.90% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $70 | — | $70 | 0.07% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $3K | — | $3K | 3.42% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO BENEFITS ADVISORS | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 9.81% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $248 | — | $248 | 1.47% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 135 | $906K |
| Dental | DELTA DENTAL PLAN OF MAINE | 221 | $101K |
| Vision | RED TREE INSURANCE COMPANY, INC | 187 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 163 | $118K |
| Short-term disability | STANDARD INSURANCE COMPANY | 163 | $118K |
| Long-term disability | STANDARD INSURANCE COMPANY | 163 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.