| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT BENEFIT SOLUTIONS INS AGCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 9.50% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $3K | $60K | 44.83% |
| PATRIOT BENEFIT SOLUTIONS3 Filed as: PATRIOT BENEFIT SOLUTIONS INSURANCE | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.18% |
| ROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| MAGLIANO MICHAEL F3 | 4 FAIRWAY DRIVE PLYMOUTH, MA 02360 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $8K | — | $8K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $6K | — | $6K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $4K | — | $4K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $2K | — | $2K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $243 | — | $243 | 10.93% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $191 | — | $191 | 11.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $191 | — | $191 | 25.03% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $134K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $134K |
| Life insurance(2 contracts) | USABLE LIFE | 155 | $41K |
| Short-term disability | USABLE LIFE | 155 | $10K |
| Long-term disability | USABLE LIFE | 155 | $30K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 101 | $642K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.