| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | HPHC INSURANCE COMPANY | $27K | — | $27K | 7.10% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | HPHC INSURANCE COMPANY | $10K | — | $10K | 7.10% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 041062424 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.07% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.41% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $632 | — | $632 | 11.01% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $420 | — | $420 | 10.01% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $78 | — | $78 | 14.91% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HPHC INSURANCE COMPANY | 152 | $526K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $79K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $10K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.