| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNITED HEALTHCARE INSURANCE COMPANY | $60K | $0 | $60K | 3.51% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $941 | $7K | 3.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $381 | $4K | 2.30% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST, STE 360 DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $967 | $193 | $1K | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $727 | $105 | $832 | 5.57% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST, STE 360 DUBLIN, OH 43017 | UNUM INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $176K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $176K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $176K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.