| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE, PO BOX 10610 PORTLAND, ME 04104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $18 | $18 | 0.07% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE, PO BOX 10610 PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $802 | — | $802 | 4.00% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $208 | — | $208 | 1.04% |
| NANCY DROUIN3 | PO BOX 137 STEEP FALLS, ME 04085 | AFLAC | $2K | $33 | $2K | 11.31% |
| ROBERT R KURTZ3 Filed as: ROBERT KURTZ | PO BOX 3494 LEWISTON, ME 04243 | AFLAC | $296 | $5 | $301 | 1.68% |
| SCOTT HUNTLEY3 Filed as: SCOTT MCCOY | 108 STATE STREET, SUITE 1 BANGOR, ME 04401 | AFLAC | $89 | $5 | $94 | 0.52% |
| JAMES BERGDOLL3 | 135 LASSELLE RD BURNHAM, ME 04922 | AFLAC | $52 | — | $52 | 0.29% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $35 | — | $35 | 0.20% |
| ELAINE C HANSON3 Filed as: ELAINE HANSON | 30 CUSHNOC ROAD VASSALBORO, ME 04989 | AFLAC | $9 | — | $9 | 0.05% |
| JAKE ENTERPRISES INC3 | 25 LOCKLAND DRIVE, PO BOX 1977 WINDHAM, ME 04062 | AFLAC | $8 | — | $8 | 0.04% |
| NATHANIEL PARKINSON II3 | 355 SANBORN RD MONMOUTH, ME 04259 | AFLAC | $6 | — | $6 | 0.03% |
| KENDALL C HUDSON3 Filed as: KENDALL HUDSON | 801 NORTHPOINT PARKWAY STE 35 WEST PALM BEACH, FL 33407 | AFLAC | $1 | — | $1 | 0.01% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE, PO BOX 10610 PORTLAND, ME 04104 | VISION SERVICE PLAN | $954 | — | $954 | 6.07% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE, PO BOX 10610 PORTLAND, ME 04104 | GERBER LIFE INSURANCE COMPANY | $181 | — | $181 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $97K |
| DELTA DENTAL PLAN OF MAINE EIN 01-0286541 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | — | $11K |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 266 | $20K |
| Vision | VISION SERVICE PLAN | 111 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $25K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $43K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $25K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 188 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
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.