| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $40K | — | $40K | 3.21% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | UNUM | $8K | — | $8K | 8.43% |
| LOMBARD BENEFITS GROUP, INC. Filed as: LOMBARD BENEFITS GROUP INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | DELTA DENTAL | $4K | — | $4K | 3.90% |
| COMBINED SERVICES LLC Filed as: COMBINED SERVICES, LLC | P.O BOX 1320 CONCORD, NH 03302 | DELTA DENTAL | $930 | — | $930 | 1.01% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $443 | — | $443 | 3.21% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $213 | — | $213 | 3.22% |
| EMPLOYEE BENEFIT CONSULTANTS | C/O COLONIAL LIFE INSURANCE COMPANY PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.73% |
| AFFORDABLE BENEFITS SOLUTIONS INC Filed as: AFFORDABLE BENEFITS SOLUTIONS, INC. | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.59% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $55 | — | $55 | 3.19% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 257 | $92K |
| Life insurance(2 contracts, 2 carriers) | UNUM | 137 | $96K |
| Short-term disability | UNUM | 137 | $93K |
| Long-term disability | UNUM | 137 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.