| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $7K | $14K | 9.58% |
| FIAI INC3 Filed as: FIAI, INC | 1100 ELM STREET MANCHESTER, ME 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 10.34% |
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $902 | $8K | 16.89% |
| FIAI INC3 Filed as: FIAI, INC | 1100 ELM STREET MANCHESTER, ME 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $589 | $5K | 16.46% |
| FIAI INC3 Filed as: FIAI, INC | 1100 ELM STREET MANCHESTER, ME 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $636 | $127 | $763 | 13.06% |
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 | 523 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $145K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $145K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 523 | $123K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 523 | $87K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 523 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.