| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.05% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $1K | $142 | $1K | 4.54% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $919 | $123 | $1K | 4.74% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $621 | $83 | $704 | 3.69% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $509 | $68 | $577 | 3.62% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $509 | $68 | $577 | 4.17% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $467 | $62 | $529 | 3.95% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $453 | $61 | $514 | 4.87% |
| CLARK INSURANCE3 | PO BOX 3543 1945 CONGRESS STREET PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $233 | $31 | $264 | 3.10% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $225 | $30 | $255 | 4.75% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC JOINT VENTURE UHG | $170 | $23 | $193 | 6.80% |
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 | 1,848 | 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) | 1,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts) | HPHC JOINT VENTURE UHG | 7 | $138K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 159 | $108K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 159 | $108K |
| Other | COMPSYCH | 2,306 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.