| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $3K | $27 | $3K | 4.99% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.32% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.98% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $330 | — | $330 | 4.96% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 2.67% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $797 | — | $797 | 15.01% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $357 | $2 | $359 | 10.05% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $493 | — | $493 | 15.00% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $345 | — | $345 | 14.14% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 145 | $53K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 61 | $4K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $26K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $14K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.