| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | P.O. BOX 10610 PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $33K | — | $33K | 1.81% |
| HOLDEN AGENCY INSURANCE3 | P.O. BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 3.00% |
| HOLDEN AGENCY INSURANCE3 | P.O. BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HOLDEN AGENCY EIN 01-0281936 NONE | Contract Administrator; Insurance agents and brokers Service code 13 | 1085 BRIGHTON AVE, PO BOX 10610 PORTLAND, ME 04104 | $68K |
| RUNYON KERSTEEN OUELLETTE EIN 01-0440155 NONE | Accounting (including auditing) Service code 10 | 20 LONG CREEK DRIVE SOUTH PORTLAND, ME 04106 | $15K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-6514544 NONE | Custodial (securities) Service code 19 | PO BOX 5937 CLEVELAND, OH 44101 | $6K |
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 | 3,141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 5,210 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,534 | $817K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,364 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,210 | — |
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."
No prospect flags tripped on this filing.