| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 1388 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 9.94% |
| DMS INSURANCE AGENCY OF NH3 Filed as: DMS INSURANCE AGENT | 426 MAIN ST LACONIA, NH 03246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $453 | $10K | 6.65% |
| CROSS INSURANCE3 | PO BOX 1388 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $749 | $6K | 9.60% |
| DMS INSURANCE AGENCY OF NH3 Filed as: DMS INSURANCE AGENT | 426 MAIN ST LACONIA, NH 03246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $220 | $5K | 6.96% |
| DMS INSURANCE AGENCY OF NH3 Filed as: DMS INSURANCE AGENT | 426 MAIN ST LACONIA, NH 03246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $91 | $5K | 8.24% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.56% |
| CROSS INSURANCE3 | PO BOX 1388 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $909 | $190 | $1K | 6.73% |
| DMS INSURANCE AGENCY OF NH3 Filed as: DMS INSURANCE AGENT | 426 MAIN ST LACONIA, NH 03246 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $685 | $51 | $736 | 4.51% |
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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $83K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.