| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1945 CONGRESS STREET PORTLAND, ME 04102 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 16.33% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $2K | $797 | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $467 | — | $467 | 0.77% |
| CLARK INSURANCE3 | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $483 | $66 | $549 | 7.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $291 | — | $291 | 3.76% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $867 | — | $867 | 15.00% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $804 | — | $804 | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434 | — | $434 | 8.87% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | — | $233 | 4.76% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 160 | $61K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 116 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 105 | $65K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 105 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 105 | $65K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 105 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.