| 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 | $59K | $5K | $64K | 2.61% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | DELTA DENTAL PLAN OF MAINE | $9K | — | $9K | 3.29% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $6K | 8.63% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 10.37% |
| AGIS NETWORK INC | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.04% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.04% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $500 | — | $500 | 4.73% |
| USI INSURANCE SERVICES LLC Filed as: USI | 75 JOHN ROBERTS RD SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $241 | — | $241 | 2.28% |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 582 | $2.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 644 | $273K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $65K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.