| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY, INC | $11K | — | $11K | 4.32% |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | HPHC INSURANCE COMPANY, INC | $5K | — | $5K | 1.95% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE, INC | $7K | — | $7K | 4.32% |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | HARVARD PILGRIM HEALTH CARE, INC | $3K | — | $3K | 1.94% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.64% |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | PRINCIPAL LIFE INSURANCE COMPANY | $315 | — | $315 | 1.06% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE, INC | $1K | — | $1K | 4.31% |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | HARVARD PILGRIM HEALTH CARE, INC | $469 | — | $469 | 1.94% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 12.53% |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | ANTHEM LIFE INSURANCE COMPANY | $542 | — | $542 | 2.40% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE, INC COBRA | $0 | — | $0 | — |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | HARVARD PILGRIM HEALTH CARE, INC COBRA | $0 | — | $0 | — |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES,INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY, INC COBRA | $0 | — | $0 | — |
| KYES AGENCY, INC.3 Filed as: KYES AGENCY | P.O. BOX 311, 171 MAIN STREET FARMINGTON, ME 04938 | HPHC INSURANCE COMPANY, INC COBRA | $0 | — | $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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HPHC INSURANCE COMPANY, INC | 56 | $443K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 55 | $30K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 117 | $23K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 117 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.