| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE5 | PO BOX 3543 PORTLAND, ME 041043543 | HPHC INSURANCE COMPANY | $22K | — | $22K | 2.91% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | HPHC INSURANCE COMPANY | $19K | — | $19K | 2.66% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | HPHC INSURANCE COMPANY | $19K | — | $19K | 2.75% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 3.37% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $951 | — | $951 | 0.74% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 9.90% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $253 | — | $253 | 1.49% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $700 | $87 | $787 | 13.89% |
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 | 414 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 163 | $2.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 455 | $129K |
| Vision | RED TREE INSURANCE COMPANY, INC | 333 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $6K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
No prospect flags tripped on this filing.