| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 138 CONANT ST BEVERLY, MA 01915 | ANTHEM HEALTH PLANS OF MAINE, INC. | $89K | — | $89K | 3.57% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | THE GUARDIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.36% |
| BULLFINCH GROUP INSURANCE AGENCY3 Filed as: BULLFINCH GROUP INSURANCE AGY | 160 GOULD ST STE 310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY | $98 | — | $98 | 0.03% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 3.67% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.95% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL ST NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 7.92% |
| EASTERN INSURANCE GROUP LLC3 | 138 CONANT ST BEVERLY, MA 01915 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 14.77% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 9.96% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $305 | — | $305 | 1.49% |
| EASTERN INSURANCE GROUP LLC4 | 233 W CENTRAL ST NATICK, MA 01760 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $167 | $1K | 11.17% |
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 | 372 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 482 | $2.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 557 | $214K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 541 | $20K |
| Life insurance(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 372 | $436K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 372 | $401K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 372 | $401K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 372 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.