| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRY GUNZINGER4 | 98 WATER STREET SKOWHEGAN, ME 04976 | COMMUNITY HEALTH OPTIONS | $14K | — | $14K | 3.57% |
| RACHEL GIROUARD4 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | COMMUNITY HEALTH OPTIONS | $7K | — | $7K | 1.78% |
| KYES AGENCY, INC.4 | 171 MAIN STREET FARMINGTON, ME 04938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $216 | — | $216 | 6.69% |
| GIS BENEFITS INC4 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162 | — | $162 | 5.02% |
| CROSS BENEFIT SOLUTIONS4 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | — | $108 | 3.34% |
| CROSS INSURANCE4 | 490 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 1.33% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY HEALTH OPTIONS | 70 | $405K |
| Dental | COMMUNITY HEALTH OPTIONS | 70 | $405K |
| Vision | COMMUNITY HEALTH OPTIONS | 70 | $405K |
| Life insurance(2 contracts, 2 carriers) | COMMUNITY HEALTH OPTIONS | 93 | $408K |
| Short-term disability | COMMUNITY HEALTH OPTIONS | 70 | $405K |
| Long-term disability | COMMUNITY HEALTH OPTIONS | 70 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.