| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT COLFORD3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | COMMUNITY HEALTH OPTIONS | $43K | — | $43K | 3.07% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.33% |
| COMMUNITY OPTIONS LLC3 | 150 MILL ST FL 3 LEWISTON, ME 04240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 5.00% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 5.01% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, ME 033021320 | DELTA DENTAL PLAN OF MAINE | $787 | — | $787 | 0.90% |
| ALL PRO BENEFITS LLC3 Filed as: ALL PRO BENEFITS | 675 MADISON AVE AURORA, OH 44202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 31.66% |
| STEPHEN WILDE INS INC3 | 609 HAMMOND ST BANGOR, ME 04401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.68% |
| STRATEGIC BNFT PARTNERS LLC3 | 200 36TH AVE NW NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $833 | — | $833 | 0.99% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY HEALTH OPTIONS | 163 | $1.4M |
| Dental | DELTA DENTAL PLAN OF MAINE | 156 | $88K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $197K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $113K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.