| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | RMTS/GERBER LIFE INSURANCE COMPANY | $21K | $0 | $21K | 7.48% |
| NORTHERN GROUP BENEFITS3 | 1087 DORAL DRIVE PAWLEYS ISLAND, SC 29585 | RMTS/GERBER LIFE INSURANCE COMPANY | $20K | $0 | $20K | 7.42% |
| NORTHERN GROUP BENEFITS3 | 1087 DORAL DRIVE PAWLEYS ISLAND, SC 29585 | STANDARD INSURANCE | $1K | $0 | $1K | 2.20% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE | $651 | $0 | $651 | 1.22% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.13% |
| NORTHERN GROUP BENEFITS3 | 1087 DORAL DRIVE PAWLEYS ISLAND, SC 29585 | STANDARD INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.83% |
| NORTHERN GROUP BENEFITS3 | 1087 DORAL DRIVE PAWLEYS ISLAND, SC 29585 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.42% |
| NORTHERN GROUP BENEFITS3 | 1087 DORAL DRIVE PAWLEYS ISLAND, SC 29585 | STNDARD INSURANCE COMPANY | $996 | $0 | $996 | 4.52% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | STNDARD INSURANCE COMPANY | $827 | $0 | $827 | 3.75% |
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. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RMTS/GERBER LIFE INSURANCE COMPANY | 68 | $276K |
| Dental | STANDARD INSURANCE | 93 | $54K |
| Vision(2 contracts, 2 carriers) | RMTS/GERBER LIFE INSURANCE COMPANY | 93 | $329K |
| Life insurance | STANDARD INSURANCE COMPANY | 109 | $32K |
| Short-term disability | STNDARD INSURANCE COMPANY | 108 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $25K |
| Prescription drug | RMTS/GERBER LIFE INSURANCE COMPANY | 68 | $276K |
| Stop-loss / reinsurancereinsurance | RMTS/GERBER LIFE INSURANCE COMPANY | 68 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.