| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE | PO BOX 3543 PORTLAND, ME 04104 | HCC BENEFITS | $13K | — | $13K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.64% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC BENEFITS | 0 | $333K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $190K |
| Prescription drug | HCC BENEFITS | 0 | $333K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS | 0 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.