| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $85K | $18K | $103K | 3.34% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $40K | $0 | $40K | 21.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 5.45% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $441 | $0 | $441 | 1.38% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | METROPOLITAN LIFE INSURANCE COMPANY | $285 | $0 | $285 | 1.52% |
| ROBERT R KURTZ3 Filed as: ROBERT R. KURTZ | 160 EAST SHORE ROAD AUBURN, ME 04210 | AFLAC | $326 | $0 | $326 | 5.90% |
| PETER D GRIFFEY3 Filed as: PETER D. GRIFFEY | 529 EAST AVENUE LEWISTON, ME 04240 | AFLAC | $157 | $0 | $157 | 2.84% |
| JAKE ENTERPRISES INC3 Filed as: JAKE ENTERPRISES, INC. | 25 LOCKLAND DRIVE WINDHAM, ME 04062 | AFLAC | $26 | $0 | $26 | 0.47% |
| WILLIAM T HENRY3 Filed as: WILLIAM T. HENRY AND OTHER AGENTS | 1 SUNDIAL AVENUE, SUITE 212N MANCHESTER, NH 03103 | AFLAC | $11 | $0 | $11 | 0.20% |
| SCOTT A. MCCOY3 | 679 MEADOW ROAD HAMPDEN, ME 04444 | AFLAC | $9 | $0 | $9 | 0.16% |
| KRYSTLE D. GRIFFEY3 | 11 ABRAMS LANE POLAND, ME 04274 | AFLAC | $7 | $0 | $7 | 0.13% |
| BARBARA TORRES3 | 20 HOBBS ROAD EFFINGHAM, NH 03882 | AFLAC | $6 | $0 | $6 | 0.11% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 378 | $3.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 55 | $32K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $19K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 345 | $193K |
| Short-term disability | USABLE LIFE | 345 | $188K |
| Long-term disability | USABLE LIFE | 345 | $188K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 378 | $3.1M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 345 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.