| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $26K | — | $26K | 2.07% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 11.07% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL OF MAINE | $5K | — | $5K | 5.54% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL OF MAINE | $894 | — | $894 | 0.98% |
| VARNEY & COMPANY BENEFITS ADVISORS3 | 32 OAK STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC | $917 | — | $917 | 10.03% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $138 | — | $138 | 1.51% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 202 | $1.3M |
| Dental | DELTA DENTAL OF MAINE | 211 | $91K |
| Vision | RED TREE INSURANCE COMPANY, INC | 199 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $101K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.