| 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 | 4.02% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | PO BOX 86 GARDINER, ME 043455759 | DELTA DENTAL PLAN OF MAINE | $10K | — | $10K | 3.02% |
| NATIONAL WORKSITE BENEFIT GROUP3 | 16 E CHESTNUT ST, STE 520 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.98% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | PO BOX 86 GARDINER, ME 043455759 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 6.11% |
| MEMA EMPLOYEE BENEFIT PLAN3 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 4.07% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD BLDG C S PORTLAND, ME 04108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 8.18% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODOS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 2.53% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 1.53% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, MD 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP EIN 06-0988547 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $398K |
| MAINE ENERGY MARKETERS ASSOCIATION EIN 01-0239259 ADMINISTRATOR | Plan Administrator Service code 14 | 25 GREENWOOD ROAD BRUNSWICK, ME 040110249 | $114K |
| WIPFLI LLP EIN 39-0758449 ACCOUNTANT | Accounting (including auditing) Service code 10 | ONE MARKET SQUARE AUGUSTA, ME 04330 | $21K |
| BERNSTEIN SHUR LEGAL REPRESENTATION | Legal Service code 29 | 100 MIDDLE STREET PORTLAND, ME 04104 | $16K |
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 | 791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 791 | $332K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 342 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $36K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 286 | $379K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 595 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.