| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL | — | $15K | $15K | 8.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNCY LLC | 1050 W WASHINGTON ST STE 233 TEMPLE, AZ 85281 | PRUDENTIAL | $12K | — | $12K | 6.28% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $49 | $49 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNCY LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 2.43% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $5K | $753 | $6K | 20.09% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $420 | $4K | 18.14% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $3K | $511 | $3K | 15.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.14% |
| COMVBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $213 | — | $213 | 1.37% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 367 | $155K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 318 | $16K |
| Life insurance | PRUDENTIAL | 236 | $184K |
| Short-term disability | PRUDENTIAL | 236 | $184K |
| Long-term disability | PRUDENTIAL | 236 | $184K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL | 236 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.