| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INS AGENCY INC3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE, INC. | $28K | — | $28K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | ANTHEM HEALTH PLANS OF MAINE, INC. | $6K | — | $6K | 0.44% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 04332 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $814 | $4K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $788 | $788 | 0.84% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $907 | $6K | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $299 | $3K | 4.54% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 04332 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $185 | $3K | 12.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.41% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 260 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $94K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $69K |
| Prescription drug | ANTHEM HEALTH PLANS OF MAINE, INC. | 260 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.