| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 3.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 3.97% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.67% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $538 | — | $538 | 2.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.89% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC | $890 | — | $890 | 9.93% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $134 | — | $134 | 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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 86 | $831K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 202 | $71K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 202 | $80K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $31K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $31K |
| Other(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 202 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.