| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 3.30% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.12% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | AMERITAS LIFE INSURANCE CORP. | $3K | $147 | $3K | 4.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC | $823 | — | $823 | 10.88% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $124 | — | $124 | 1.64% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 140 | $614K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 204 | $62K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 204 | $69K |
| Life insurance | STANDARD INSURANCE COMPANY | 108 | $74K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $74K |
| Long-term disability | STANDARD INSURANCE COMPANY | 108 | $74K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 204 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.