| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC | 202 US ROUTE 1 SUITE 102 FALMOUTH, MA 04105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 14.36% |
| AFFORDABLE BENEFIT SOLUTIONS3 Filed as: AFFORDABLE BENEFIT SOLUTIONS INC | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 11.16% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $16 | $4K | 4.56% |
| SUZIE MICHAUD-PARADIS3 | 6 EAGLES STREET FORT KENT, ME 04743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $15 | $310 | 0.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GARTH E BROWN | 7 SKYTOP ROAD IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $15 | $83 | 0.09% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $3K | — | $3K | 3.41% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $3K | — | $3K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.75% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.35% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 4.92% |
| COMBINED SERVICES LLC2 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $251 | — | $251 | 0.74% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $935 | — | $935 | 3.27% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $882 | — | $882 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $832 | — | $832 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $832 | — | $832 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $805 | — | $805 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $616 | — | $616 | 3.08% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $653 | — | $653 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $643 | — | $643 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $613 | — | $613 | 3.24% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $594 | — | $594 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $577 | — | $577 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $523 | — | $523 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $523 | — | $523 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $476 | — | $476 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $338 | — | $338 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $312 | — | $312 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $260 | — | $260 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $239 | — | $239 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $239 | — | $239 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $217 | — | $217 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $186 | — | $186 | 3.34% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $109 | — | $109 | 3.33% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $108 | — | $108 | 3.34% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $92 | — | $92 | 3.32% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | — | — | $0 | — |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | — | — | $0 | — |
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 | 138 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(41 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 16 | $975K |
| Dental | DELTA DENTAL PLAN OF MAINE | 77 | $34K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $175K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $81K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.