| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | HPHC INSURANCE COMPANY | $19K | — | $19K | 5.40% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 5.36% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 9.01% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.00% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.51% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 43.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 22.28% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $899 | — | $899 | 9.00% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | — | $376 | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $315 | — | $315 | 8.39% |
| KYES AGENCY, INC.3 | 171 MAIN STREET FARMINGTON, ME 04938 | HARVARD PILGRIM HEALTH CARE COBRA | — | — | $0 | — |
| KYES AGENCY, INC.4 | 171 MAIN STREET FARMINGTON, ME 04938 | HPHC INSURANCE COMPANY COBRA | — | — | $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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HPHC INSURANCE COMPANY | 57 | $534K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 66 | $37K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 66 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.