| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL STREET NATICK, MA 01760 | DELTA DENTAL PLAN OF MAINE | $10K | — | $10K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 606945287 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 606945287 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 606945287 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.68% |
| EASTERN INSURANCE GROUP LLC3 | 233 W CENTRAL STREET NATICK, MA 01760 | RED TREE INSURANCE COMPANY, INC. | $3K | — | $3K | 10.00% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $402 | — | $402 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 606945287 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $559 | — | $559 | 14.99% |
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 | 430 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 673 | $341K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 654 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $95K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $161K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 437 | $141K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.