| 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 | $44K | — | $44K | 3.14% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD RAOD CAPE ELIZABETH, ME 04107 | UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 8.54% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | DELTA DENATL | $4K | — | $4K | 4.20% |
| COMBINED INSURANCE SVCS OF N FL INC Filed as: COMBINE SERVICES LLC | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENATL | $995 | — | $995 | 1.07% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | RED TREE INSURANCE COMPANY | $962 | — | $962 | 9.18% |
| COMBINED SERVICES LLC | P.O. BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY | $144 | — | $144 | 1.37% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | — | $0 | $0 | 0.00% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $0 | — | $0 | — |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $0 | — | $0 | — |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 134 | $1.4M |
| Dental | DELTA DENATL | 258 | $93K |
| Vision | RED TREE INSURANCE COMPANY | 222 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 141 | $94K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 141 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 141 | $94K |
| Other | HARVARD PILGRIM HEALTH CARE | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.