| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEMA EMPLOYEE BENEFIT PLAN3 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | DELTA DENTAL PLAN OF MAINE | $11K | — | $11K | 4.11% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | PO BOX 86 GARDINER, ME 043455759 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.62% |
| NATIONAL WORKSITE BENEFIT GROUP3 | PO BOX 86 GARDINER, ME 04345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.05% |
| 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% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $768 | $134 | $902 | 3.03% |
| NATIONAL WORKSITE BENEFIT GROUP3 | PO BOX 86 GARDINER, ME 043455759 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 4.86% |
| MEMA EMPLOYEE BENEFIT PLAN3 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | RED TREE INSURANCE COMPANY, INC. | $944 | — | $944 | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $292 | — | $292 | 1.26% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE BEDFORD, NH 03110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | — | $310 | 7.67% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.44% |
| PATRICIA B GARDNER3 | 35 VILLAGE WOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.79% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE STE 104 PORTLAND, MD 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION CORP EIN 06-0988547 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | $372K |
| MAINE ENERGY MARKETERS ASSOCIATION EIN 01-0239259 ADMINISTRATOR | Plan Administrator Service code 14 | 25 GREENWOOD ROAD BRUNSWICK, ME 040110249 | $110K |
| WIPFLI LLP EIN 39-0758449 ACCOUNTANT | Accounting (including auditing) Service code 10 | ONE MARKET SQUARE AUGUSTA, ME 04330 | $25K |
| BERNSTEIN SHUR LEGAL REPRESENTATION | Legal Service code 29 | 100 MIDDLE STREET PORTLAND, ME 04104 | $17K |
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 | 343 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 525 | $277K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 332 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $34K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 262 | $353K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.