| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEMA EMPLOYEE BENEFIT PLAN3 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | DELTA DENTAL PLAN OF MAINE | $13K | — | $13K | 3.98% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 E CHESTNUT ST, STE 520 AUGUSTA, ME 043305759 | DELTA DENTAL PLAN OF MAINE | $10K | — | $10K | 2.99% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 6 E CHESTNUT ST, STE 520 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.34% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 EAST CHESTNUT STREET STE 520 AUGUSTA, ME 04330 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 5.95% |
| MEMA EMPLOYEE BENEFIT PLAN3 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 3.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP EIN 06-0988547 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $394K |
| MAINE ENERGY MARKETERS ASSOCIATION EIN 01-0239259 ADMINISTRATOR | Plan Administrator Service code 14 | 25 GREENWOOD ROAD BRUNSWICK, ME 040110249 | $111K |
| WIPFLI LLP EIN 39-0758449 ACCOUNTANT | Accounting (including auditing) Service code 10 | ONE MARKET SQUARE AUGUSTA, ME 04330 | $25K |
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 | 814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 813 | $326K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 389 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $28K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 291 | $358K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 693 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.