| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTHCARE | $39K | — | $39K | 2.91% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.26% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.26% |
| COMBINED SERVICES LLC | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.09% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $307 | — | $307 | 2.91% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $45 | — | $45 | 2.93% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 261 | $93K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $100K |
| Other | HARVARD PILGRIM HEALTH CARE | 0 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.