| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICOLE ROBITIALLE3 | 1945 CONGRESS ST. BUILDING A PORTLAND, ME 04102 | COMMUNITY HEALTH OPTIONS | $46K | — | $46K | 2.94% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $769 | — | $769 | 7.54% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $155 | — | $155 | 1.52% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY HEALTH OPTIONS | 229 | $1.6M |
| Dental | DELTA DENTAL PLAN OF MAINE | 246 | $115K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 202 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $194K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $194K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $194K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.