| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | $40K | — | $40K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE POS/HSA | $15K | — | $15K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 PORTLAND, ME 041043543 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 3.65% |
| EMPLOYEE BENEFIT CONSULTANTS3 | 401 CUMBERLAND AVE STE 104 PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS CO | $6K | $37 | $6K | 10.37% |
| PETER R MARTEL3 | 19 HIGHLAND CLIFF RD WINDHAM, ME 04062 | COLONIAL LIFE & ACCIDENT INS CO | $183 | — | $183 | 0.31% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $14 | — | $14 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $7K | $979 | $8K | 17.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/NOHRA | $374 | — | $374 | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HC HMO/HSA/HRA/C | $374 | — | $374 | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 10.08% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $222 | — | $222 | 1.51% |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | 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 | 260 | $2.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 386 | $171K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 210 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $226K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 404 | $286K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 163 | $46K |
| Other(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | 260 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.