| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | PO BOX 1320 PORTLAND, ME 041043543 | HPHC INSURANCE COMPANY | $30K | — | $30K | 2.91% |
| CLARK INSURANCE3 | PO BOX 1320 PORTLAND, ME 041043543 | HPHC INSURANCE COMPANY | $21K | — | $21K | 2.97% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | HPHC INSURANCE COMPANY | $18K | — | $18K | 3.20% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 3.16% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.81% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 9.22% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $235 | — | $235 | 1.38% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $810 | $101 | $911 | 10.96% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | $9 | $78 | 11.30% |
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 | 525 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 174 | $2.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 411 | $127K |
| Vision | RED TREE INSURANCE COMPANY, INC | 277 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $9K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.