| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS RD, BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $8K | $65K | 25.52% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 234662937 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | UNUM INSURANCE COMPANY | $3K | $663 | $4K | 16.50% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | UNUM INSURANCE COMPANY | $2K | $652 | $3K | 10.72% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | UNUM INSURANCE COMPANY | $2K | $407 | $2K | 16.44% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $97 | $1K | 16.33% |
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 | 406 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 332 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $446K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $192K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $320K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $501K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.