| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $26K | $1K | $28K | 5.30% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 5.97% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $443 | — | $443 | 0.85% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $239 | $5K | 15.75% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $77 | $2K | 15.76% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC. | $733 | — | $733 | 9.97% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $110 | — | $110 | 1.50% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $427 | $75 | $502 | 24.23% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 117 | $523K |
| Dental | DELTA DENTAL PLAN OF MAINE | 108 | $52K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 96 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $2K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $32K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.