| 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 COMPANY | $63K | — | $63K | 2.40% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR PO BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLALN OF MAINE | $10K | — | $10K | 3.08% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04332 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.83% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.98% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.99% |
| AGIS NETWORK INC | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.99% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $721 | — | $721 | 5.83% |
| USI INSURANCE SERVICES LLC | 75 JOHN ROBERTS ROAD SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $227 | — | $227 | 1.83% |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 623 | $2.6M |
| Dental | DELTA DENTAL PLALN OF MAINE | 674 | $330K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $106K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $101K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.