| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | ANTHEM HEALTH PLANS OF MAINE, INC. | $33K | — | $33K | 1.57% |
| EASTERN INSURANCE GROUP LLC3 | 138 CONANT ST BEVERLY, MA 01915 | ANTHEM HEALTH PLANS OF MAINE, INC. | $14K | — | $14K | 0.66% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $14K | $28K | 9.55% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 3.39% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.86% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 20.59% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 9.14% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $239 | — | $239 | 1.37% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 17.57% |
| EASTERN INSURANCE GROUP LLC3 | 138 CONANT ST BEVERLY, MA 01915 | ANTHEM LIFE INSURANCE COMPANY | $682 | — | $682 | 4.04% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 401 | $2.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 460 | $180K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 439 | $17K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $340K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $289K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $289K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.