| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 3.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $15K | $15K | 2.84% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PROTLAND, ME 04016 | VISION SERVICE PLAN | $3K | — | $3K | 2.21% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PROTLAND, ME 04016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 19.09% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $953 | $4 | $957 | 0.88% |
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 | 1,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 993 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 1,667 | $605K |
| Vision | VISION SERVICE PLAN | 746 | $113K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,055 | $511K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,055 | $511K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,100 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,667 | — |
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.