| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 1.83% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.77% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.80% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 2.92% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST. BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $183 | $2K | 13.23% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | — | $617 | 4.65% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $490 | — | $490 | 14.03% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $34 | $9 | $43 | 1.23% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST. BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $363 | — | $363 | 14.72% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $11 | $2 | $13 | 0.53% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK ST. BANGOR, MA 04401 | UNUM INSURANCE COMPANY | $333 | $45 | $378 | 17.08% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $12 | $2 | $14 | 0.63% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $1.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $1.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $196K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $182K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $182K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.