| 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 | $3K | — | $3K | 3.50% |
| AFFORDABLE BENEFIT SOLUTIONS3 Filed as: AFFORDABLE BENEFIT SOLUTIONS INC | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.73% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.48% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 Filed as: EMPLOYEE BENEFIT SOLUTIONS | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $868 | — | $868 | 0.92% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | — | $678 | 0.72% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | — | $310 | 0.33% |
| TIFFANY HYATT3 | 4 HAWTHORNE ROAD MERRIMACK, NH 03054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.20% |
| PAMELA HUNTINGTON3 | 1 PARTRIDGE LANE GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.05% |
| UIG FINANCIAL LLC3 | PO BOX 300 MONMOUTH, ME 04259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.90% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVENUE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 5.92% |
| COMBINED SERVICES LLC2 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $395 | — | $395 | 0.81% |
| UIG FINANCIAL LLC3 | PO BOX 300 MONMOUTH, ME 04259 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.36% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 104 | $48K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $201K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $89K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.