| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $114 | $4K | 10.03% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.61% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | $0 | $992 | 2.77% |
| ROBERT T WALKER3 Filed as: ROBERT T. WALKER | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $948 | $2 | $950 | 2.65% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $262 | $0 | $262 | 0.73% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $0 | $160 | 0.45% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.11% |
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $919 | $28 | $947 | 9.89% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | $0 | $722 | 7.54% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $0 | $316 | 3.30% |
| ROBERT T WALKER3 Filed as: ROBERT T. WALKER | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 2.05% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.63% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.32% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.17% |
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | $3 | $346 | 7.94% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $0 | $319 | 7.32% |
| ROBERT T WALKER3 Filed as: ROBERT T. WALKER | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 2.85% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 2.53% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.46% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.44% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $50K |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.