| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | THE GUARDIAN LIFE INSURANCE COMPANY | $22K | $14K | $35K | 7.46% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | DELTA DENTAL PLAN OF MAINE | $9K | — | $9K | 2.92% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $177 | — | $177 | 0.06% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | RED TREE INSURANCE COMPANY, INC. | $3K | — | $3K | 9.88% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $376 | — | $376 | 1.48% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 666 | $320K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 632 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 432 | $473K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 432 | $473K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 432 | $473K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 432 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.