| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.98% |
| BGA FINANCIAL3 Filed as: BGA FINANCIAL INC | 75 MARKET STREET, SUITE 401 PORTLAND, ME 041015031 | METROPOLITAN LIFE INSURANCE COMPANY | $378 | $58 | $436 | 0.69% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.14% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY INC | 31 COURT STREET, 3RD FLOOR AUBURN, ME 04210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89 | — | $89 | 0.33% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.93% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY INC | 31 COURT STREET, 3RD FLOOR AUBURN, ME 04210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146 | — | $146 | 1.07% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.92% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY INC | 31 COURT STREET, 3RD FLOOR AUBURN, ME 04210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $102 | — | $102 | 1.08% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $21 | $1K | 13.09% |
| THE BUCKLEY GROUP OF PORTLAND INC3 Filed as: THE BUCKLEY GROUP OF PORTLAND | 75 MARKET STREET, SUITE 401 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $106 | — | $106 | 1.29% |
| BGA FINANCIAL3 | P.O. BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9 | $9 | 0.11% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $401 | — | $401 | 13.96% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY INC | 31 COURT STREET, 3RD FLOOR AUBURN, ME 04210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 1.04% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 43.72% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | — | $560 | 23.52% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 14.03% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY INC | 31 COURT STREET, 3RD FLOOR AUBURN, ME 04210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.77% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | METROPOLITAN LIFE INSURANCE COMPANY | $307 | — | $307 | 20.33% |
| BGA FINANCIAL3 Filed as: BGA FINANCIAL INC | 75 MARKET STREET, SUITE 401 PORTLAND, ME 04101 | METROPOLITAN LIFE INSURANCE COMPANY | $14 | — | $14 | 0.93% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $78 | — | $78 | 9.95% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 92 | $64K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 44 | $784 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $27K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $16K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.