| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARRESI FINANCIAL INC3 Filed as: BARRESI FINANCIAL | ONE CUMBERLAND PLACE SUITE 106 BANGOR, ME 04401 | ANTHEM HEALTH PLANS OF MAINE, INC | $38K | $0 | $38K | 3.12% |
| BARRESI FINANCIAL INC3 Filed as: BARRESI FINANCIAL | ONE CUMBERLAND PLACE SUITE 106 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $538 | $4K | 3.01% |
| BARRESI FINANCIAL INC3 Filed as: BARRESI FINANCIAL | ONE CUMBERLAND PLACE SUITE 106 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $465 | $4K | 5.98% |
| BARRESI FINANCIAL INC3 Filed as: BARRESI FINANCIAL | ONE CUMBERLAND PLACE SUITE 106 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $339 | $5K | 10.81% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $175 | $175 | 0.41% |
| BARRESI FINANCIAL INC3 Filed as: BARRESI FINANCIAL | ONE CUMBERLAND PLACE SUITE 106 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $118 | $2K | 11.22% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC | 164 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $132K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC | 164 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $42K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
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.