| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $34K | — | $34K | 2.93% |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY INC THE | 171 MAIN STREET FARMINGTON, ME 049385842 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.01% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $1K | — | $1K | 14.23% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HPHC INSURANCE COMPANY | 171 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 239 | $62K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 239 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.