| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE CO | $52K | $0 | $52K | 2.29% |
| BUSINESS INSURANCE AGENCY DBA CROSS | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $10K | $0 | $10K | 3.51% |
| WNNE INC3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.86% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $702 | $0 | $702 | 1.14% |
| AGIA NETWORK INC | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $509 | $6K | 10.85% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $363 | $6K | 10.77% |
| WNNE INC | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.42% |
| MJ INSURANCE Filed as: CROSS INSUANCE | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.63% |
| WNNE INC3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.70% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $629 | $0 | $629 | 2.29% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $330 | $0 | $330 | 3.69% |
| USI INSURANCE SERVICES LLC | 75 JOHN ROBERTS RD SO PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $247 | $0 | $247 | 2.76% |
| WNNE INC3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $311 | $0 | $311 | 4.97% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261 | $0 | $261 | 4.17% |
| USI INSURANCE SERVICES LLC | 75 JOHN ROBERTS RD SO PORTLAND, ME 04106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 1.99% |
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 | 314 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 508 | $2.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 560 | $282K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $62K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.