| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 02660 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $84K | $5K | $89K | 31.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA LLC | UNKNOWN NORTH BILLERICA, MA 01862 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $5K | $0 | $5K | 1.82% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $38K | $0 | $38K | 21.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 02660 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 4.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGENCY, INC. | 434 ROUTE 134, SUITE F1 SOUTH DENNIS, MA 02660 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ROBERT R KURTZ3 Filed as: ROBERT R. KURTZ | 160 EAST SHORE ROAD AUBURN, ME 04210 | AFLAC | $418 | $33 | $451 | 6.82% |
| PETER D GRIFFEY3 Filed as: PETER D. GRIFFEY | 529 EAST AVENUE LEWISTON, ME 04240 | AFLAC | $216 | $24 | $240 | 3.63% |
| JAKE ENTERPRISES INC3 Filed as: JAKE ENTERPRISES INC. | 25 LOCKLAND DRIVE WINDHAM, ME 04062 | AFLAC | $48 | $10 | $58 | 0.88% |
| KRYSTLE D. GRIFFEY3 | 11 ABRAMS LANE POLAND, ME 04274 | AFLAC | $11 | $0 | $11 | 0.17% |
| WILLIAM T HENRY3 Filed as: WILLIAM T. HENRY AND OTHER AGENTS | 1 SUNDIAL AVENUE, SUITE 212N MANCHESTER, NH 03103 | AFLAC | $9 | $0 | $9 | 0.14% |
| SCOTT A. MCCOY3 | 108 STATE STREET, SUITE 1 BANGOR, ME 04401 | AFLAC | $8 | $0 | $8 | 0.12% |
| BARBARA TORRES3 | 20 HOBBS ROAD EFFINGHAM, NH 03882 | AFLAC | $5 | $0 | $5 | 0.08% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 391 | $287K |
| Dental | DELTA DENTAL PLAN OF MAINE | 68 | $37K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 156 | $17K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 374 | $189K |
| Short-term disability | USABLE LIFE | 374 | $182K |
| Long-term disability | USABLE LIFE | 374 | $182K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 391 | $287K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 374 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.