| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | 31 CHESTNUT STREET CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $31K | — | $31K | 4.02% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 DORAL, FL 331721200 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 4.33% |
| EMPLOYER BENEFITS CONSULTING LLC3 Filed as: EMPLOYER BENEFITS CONSULTING, LLC | 13200 SW 128 ST, BLDG G MIAMI, FL 331865881 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.84% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 850182151 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | PO BOX 207 CAMDEN, ME 04843 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 4.33% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN AGENCY | 31 CHESTNUT STREET, PO BOX 207 CAMDEN, ME 04843 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 10.85% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 208 DORAL, FL 331720000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.34% |
| 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 | $3K | — | $3K | 4.59% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.50% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.98% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $960 | $960 | 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 | $580 | $264 | $844 | 4.40% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.38% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $845 | $845 | 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 | $443 | $203 | $646 | 3.82% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.85% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $629 | $629 | 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 | $145 | — | $145 | 1.15% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 33172 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $802 | — | $802 | 13.70% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 850182151 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $293 | $293 | 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 | $77 | — | $77 | 1.32% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE SUITE 2 MIAMI, FL 331720000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $479 | — | $479 | 12.04% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $199 | $199 | 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 | $118 | $53 | $171 | 4.30% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 182 | $1.5M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 123 | $123K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 182 | $833K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 139 | $80K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 139 | $76K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 139 | $83K |
| Other(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 139 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
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.