| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 04330 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | — | $22K | 27.17% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 23.15% |
| STEVEN A. ROCKWELL3 | 73 ROUTE 1235 STODDARD, NH 03464 | TRANSAMERICA LIFE INSURANCE COMPANY | $588 | — | $588 | 0.73% |
| PETER PELLETIER3 Filed as: PETER A. PELLETIER | PO BOX 680 INTERVALE, NH 03845 | TRANSAMERICA LIFE INSURANCE COMPANY | $311 | — | $311 | 0.39% |
| WILLIAM VELTO3 Filed as: WILLIAM J. VELTO | PO BOX 377 ORANGEBURG, NY 10962 | TRANSAMERICA LIFE INSURANCE COMPANY | $131 | — | $131 | 0.16% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 043320469 | PRINCIPAL LIFE INSURANCE COMPANY | $793 | $83 | $876 | 10.95% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 162 | $88K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 162 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.