| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCLENNAN | PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $21K | $3K | $24K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE, A MARSH & MCLENNAN | PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $10K | $1K | $11K | 6.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 4.94% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $450 | $0 | $450 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 1945 CONGRESS ST BLG A PORTLAND, ME 04102 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 10.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $799 | $799 | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $762 | $0 | $762 | 9.88% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $114 | $0 | $114 | 1.48% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 97 | $609K |
| Dental | DELTA DENTAL PLAN OF MAINE | 128 | $53K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 102 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $25K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 155 | $25K |
| Other | HARTFORD LIFE AND ACCIDENT | 155 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.