| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $6K | $0 | $6K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $5K | $0 | $5K | 2.48% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 6.47% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 5 DARTNOUTH DR STE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 6.10% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $442 | $4K | 9.13% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 5 DARTMOUTH DR AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $316 | $4K | 8.86% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $1K | $364 | $2K | 10.11% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 5 DARTMOUTH STE 101 AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $1K | $237 | $2K | 9.65% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 5 DARTMOUTH DR STE 101 AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $1K | $167 | $1K | 18.86% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $3 | $1 | $4 | 0.06% |
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 | 446 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | 464 | $190K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | 464 | $190K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $198K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $151K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $151K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 446 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.