| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL GROUP | PO BOX 207 CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | — | $31K | $31K | 4.18% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN FINANCIAL GROUP | 31 CHESTNUT STREET, PO BOX 207 CAMDEN, ME 04843 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 12.14% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 4.80% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, SUITE G1 MIAMI, FL 33186 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.91% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.44% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, SUITE G1 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $671 | $671 | 5.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, SUITE G1 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $484 | $484 | 5.00% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, SUITE G1 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $379 | — | $379 | 14.99% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $126 | $126 | 4.98% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, SUITE G1 MIAMI, FL 33186 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $18 | $18 | 0.78% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, SUITE G1 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | — | $89 | 14.98% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30 | $30 | 5.05% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 152 | $732K |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 109 | $100K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 152 | $778K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 126 | $67K |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 126 | $60K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 126 | $71K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 126 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.