| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INS AND MARSH MCLENNAN AGY | PO BOX 350 SUITE 940 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $3K | $58K | 3.52% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | CIGNA GROUP INSURANCE | $4K | $0 | $4K | 7.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | CIGNA GROUP INSURANCE | $6K | $0 | $6K | 11.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | CIGNA GROUP INSURANCE | $3K | $0 | $3K | 11.08% |
| CLARK INSURANCE3 | 1945 CONGRESS ST #A PORTLAND, ME 04102 | VISION SERVICE PLAN | $722 | $0 | $722 | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1945 CONGRESS ST STE A PORTLAND, ME 04102 | VISION SERVICE PLAN | $704 | $0 | $704 | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | CIGNA GROUP INSURANCE | $468 | $0 | $468 | 11.13% |
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 | 92 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.7M |
| Dental | DELTA DENTAL PLAN OF MAINE | 254 | $105K |
| Vision | VISION SERVICE PLAN | 131 | $19K |
| Life insurance | CIGNA GROUP INSURANCE | 92 | $25K |
| Short-term disability | CIGNA GROUP INSURANCE | 61 | $51K |
| Long-term disability | CIGNA GROUP INSURANCE | 38 | $50K |
| Other | CIGNA GROUP INSURANCE | 92 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.