| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UIG FINANCIAL LLC3 | PO BOX 300 MONMOUTH, ME 04259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.22% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC | 202 US ROUTE 1 SUITE 102 FALMOUTH, MA 04105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.15% |
| AFFORDABLE BENEFIT SOLUTIONS3 Filed as: AFFORDABLE BENEFIT SOLUTIONS INC | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $979 | — | $979 | 1.96% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | — | $688 | 1.38% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $15 | $298 | 0.60% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.31% |
| PAMELA HUNTINGTON3 | 1 PARTRIDGE LANE GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.28% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 6.55% |
| COMBINED SERVICES LLC2 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $320 | — | $320 | 0.89% |
| UIG FINANCIAL LLC3 | PO BOX 300 MONMOUTH, ME 04259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 81 | $36K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $161K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $93K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.