| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVERS EDGE TURNKEY SERVICES3 | 16600 SWINGLEY RIDGE RD CHESTERFIELD, MO 63017 | AMALGAMATED LIFE INSURANCE COMPANY | $47K | — | $47K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER RE, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMALGAMATED LIFE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| CU INSURANCE SOLUTIONS, LLC3 Filed as: CU INSURANCE SOLUTIONS LLC | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CU INSURANCE SOLUTIONS EIN 01-6020129 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $241K |
| COMMUNITY HEALTH OPTIONS EIN 45-3416923 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | PO BOX 1121 LEWISTON, ME 04243 | $196K |
| BERNSTEIN SHUR SAWYER & NELSON P.A. EIN 01-0378211 LEGAL CONSULTANT | Legal Service code 29 | — | $144K |
| WOODROW W. CROSS AGENCY EIN 01-0378159 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $129K |
| RUBENSTEIN ACTUARIAL SERVICES, LLC ACTUARY | Actuarial Service code 11 | 61 SUMMIT AVENUE SHARON, MA 02067 | $44K |
| WIPFLI LLP EIN 39-0758499 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $28K |
| SMARTSHOPPER CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 160 CHUBB AVENUE, SUITE 301 LYNDHURST, NJ 07071 | $28K |
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 CLAIMS ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $27K |
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 | 639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 894 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 894 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.