| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 1.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 1.40% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 0.90% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.16% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 1.80% |
| HEALEY & ASSOCIATES3 | PO BOX 599 PORTLAND, ME 04112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 1.62% |
| PATRICIA B GARDNER3 | 35 VILLAGE WOODS CIR GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 1.08% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH ANN SULLIVAN & OTHER AGENTS | 12 PINE COVE ROAD GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.91% |
| ROBERT T WALKER3 | 10 RED BARN CIR SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.80% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CORP. PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.69% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.50% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.