| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 SCARBOROUGH, ME 04070 | HARVARD PILGRIM HEALTH CARE | $26K | — | $26K | 2.87% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 SCARBOROUGH, ME 04070 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 2.88% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 6.38% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET 5TH FLOOR PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 4.44% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 1.13% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 383 US ROUTE 1 SCARBOROUGH, ME 04070 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.99% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 147 | $1.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 283 | $178K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $192K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $192K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $192K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.