| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | $39K | $5K | $44K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE POS/HSA | $15K | $2K | $17K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 PORTLAND, ME 041043543 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 7.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 3.58% |
| EMPLOYEE BENEFIT CONSULTANTS3 | 401 CUMBERLAND AVE STE 104 PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS CO | $8K | $431 | $9K | 10.62% |
| PETER R MARTEL3 | 19 HIGHLAND CLIFF RD WINDHAM, ME 04062 | COLONIAL LIFE & ACCIDENT INS CO | $211 | — | $211 | 0.26% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $13 | — | $13 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | THE STANDARD | $6K | — | $6K | 13.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.95% |
| CSONE BENEFIT SOLUTIONS3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $221 | — | $221 | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/NOHRA | $94 | $13 | $107 | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HC HMO/HSA/HRA/C | $31 | $4 | $35 | 1.21% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | 258 | $2.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 375 | $152K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 222 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 596 | $253K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 596 | $334K |
| Long-term disability | THE STANDARD | 162 | $44K |
| Other(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | 258 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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."
No prospect flags tripped on this filing.