| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | ANTHEM HEALTH PLANS OF MAINE, INC. | $23K | — | $23K | 1.69% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $16K | — | $16K | 1.13% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.05% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $453 | — | $453 | 0.73% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.78% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $825 | — | $825 | 2.43% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.74% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.68% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $671 | — | $671 | 2.96% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $968 | — | $968 | 8.51% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $80 | — | $80 | 0.70% |
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 | 108 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 73 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 112 | $62K |
| Vision | STANDARD INSURANCE COMPANY | 207 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 132 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 132 | $31K |
| Other | STANDARD INSURANCE COMPANY | 132 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.