| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $0 | $71K | 12.46% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES, INC | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.13% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 16.75% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES, INC. | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 10.06% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $290 | $0 | $290 | 1.51% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: NORTON FINANICAL SERVICES, INC. | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | ANTHEM HEALTH PLANS OF MAINE, INC. | $6K | $0 | $6K | 439.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN PROIVDER STD | Contract Administrator Service code 13 | — | $11K |
| NORTON FINANCIAL SERVICES EIN 01-0432800 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 558 | $568K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 558 | $566K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 485 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $65K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 558 | $566K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 558 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.