| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $116K | — | $116K | 2.90% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $225K | — | $225K | 6.83% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $35K | — | $35K | 2.54% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $573K | — | $573K | 60.11% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVE PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $41K | — | $41K | 4.31% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $22K | — | $22K | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 CLAIMS PROCESSING | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $5.3M |
| DELTA DENTAL PLAN OF MAINE EIN 01-0286541 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 033022002 | $591K |
| THE HOLDEN AGENCY - DENTAL EIN 01-0281936 BROKER | Insurance agents and brokers Service code 22 | — | $56K |
| EBPA LLC EIN 20-1879465 ADMINISTRATOR | Plan Administrator Service code 14 | 37 INDUSTRIAL DRIVE EXETER, NH 03833 | $0 |
| THE HOLDEN AGENCY-HEALTH INSURANCE EIN 31-1705652 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | PO BOX 10610 PORTLAND, ME 04104 | $0 |
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 | 13,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 10,448 | $846K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | 13,266 | $4.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | 3,089 | $953K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | 11,884 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,266 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.