| 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 | $10K | — | $10K | 8.69% |
| AFFORDABLE BENEFIT SOLUTIONS3 Filed as: AFFORDABLE BENEFIT SOLUTIONS INC | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 6.05% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.56% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1 | $3K | 2.53% |
| PAMELA HUNTINGTON3 | 1 PARTRIDGE LANE GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.33% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| SUZIE MICHAUD-PARADIS3 | 6 EAGLES STREET FORT KENT, ME 04743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 0.28% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $15 | $310 | 0.27% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.14% |
| 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 | 0.07% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| UIG FINANCIAL LLC3 | PO BOX 300 MONMOUTH, ME 04259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.45% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 3.56% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 3.79% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $3K | — | $3K | 3.63% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $1K | — | $1K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 4.98% |
| COMBINED SERVICES LLC2 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $309 | — | $309 | 0.80% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $1K | — | $1K | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $973 | — | $973 | 3.63% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $837 | — | $837 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $749 | — | $749 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $721 | — | $721 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $684 | — | $684 | 3.61% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $657 | — | $657 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $656 | — | $656 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $655 | — | $655 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $526 | — | $526 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $526 | — | $526 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $481 | — | $481 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $481 | — | $481 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $462 | — | $462 | 3.60% |
| UIG FINANCIAL LLC3 | PO BOX 300 MONMOUTH, ME 04259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.71% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $407 | — | $407 | 3.61% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $370 | — | $370 | 3.61% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $264 | — | $264 | 3.09% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $262 | — | $262 | 3.28% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $240 | — | $240 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $240 | — | $240 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $186 | — | $186 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $186 | — | $186 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $186 | — | $186 | 3.60% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $146 | — | $146 | 3.61% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $73 | — | $73 | 3.61% |
| UIG INC DBA UNITED INSURANCE3 | — | HPHC INSURANCE COMPANY | $18 | — | $18 | 0.93% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $748 | — | $748 | 82.20% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | -$22 | — | -$22 | -3.96% |
| UIG INC DBA UNITED INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | — | — | $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 | 140 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(45 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 13 | $964K |
| Dental | DELTA DENTAL PLAN OF MAINE | 78 | $39K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $213K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $88K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 140 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.