| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | UNKNOWN NORTH BILLERICA, MA 01862 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $92K | $20K | $112K | 3.57% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $37K | $0 | $37K | 21.20% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 5.53% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $511 | $0 | $511 | 1.51% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.94% |
| ROBERT R KURTZ3 Filed as: ROBERT R. KURTZ | 160 EAST SHORE ROAD AUBURN, ME 04210 | AFLAC | $401 | $0 | $401 | 5.81% |
| PETER D GRIFFEY3 Filed as: PETER D. GRIFFEY | 529 EAST AVENUE LEWISTON, ME 04240 | AFLAC | $190 | $0 | $190 | 2.75% |
| JAKE ENTERPRISES INC3 | 25 LOCKLAND DRIVE PO BOX 1977 WINDHAM, ME 04062 | AFLAC | $40 | $0 | $40 | 0.58% |
| KRYSTLE D. GRIFFEY3 | 11 ABRAMS LANE POLAND, ME 04274 | AFLAC | $12 | $0 | $12 | 0.17% |
| MJ INSURANCE3 Filed as: WILLIAM T. HENRY & VARIOUS AGENTS | 1 SUNDIAL AVENUE, SUITE 212N MANCHESTER, NH 03103 | AFLAC | $10 | $0 | $10 | 0.14% |
| SCOTT A. MCCOY3 | 679 MEADOW ROAD HAMPDEN, ME 04444 | AFLAC | $8 | $0 | $8 | 0.12% |
| BARBARA TORRES3 | 20 HOBBS ROAD EFFINGHAM, NH 03882 | AFLAC | $6 | $0 | $6 | 0.09% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 377 | $3.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 59 | $34K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $16K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 356 | $183K |
| Short-term disability | USABLE LIFE | 356 | $176K |
| Long-term disability | USABLE LIFE | 356 | $176K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 377 | $3.1M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 356 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.