| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 2.65% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.83% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: DANIEL OHALLORAN | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | DELTA DENTAL PLAN OF MAINE | $773 | — | $773 | 0.61% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.50% |
| B&B HOLDINGS INC3 Filed as: B&B HOLDINGS, INC | 106 LAYFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.50% |
| COMBINED SERVICES LLC3 | 2 DELTA DR ST 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.65% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.62% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $550 | — | $550 | 1.03% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| B&B HOLDINGS INC3 Filed as: B&B HOLDINGS, INC | 106 LAYFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.50% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 37.42% |
| B&B HOLDINGS INC3 Filed as: B&B HOLDINGS, INC | 106 LAYFAYETTE ST STE 3B YARMOUTH, ME 04096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 37.42% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 8.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DANIEL OHALLORAN | 106 LAFAYETTE STREET SUITE 3B YARMOUTH, ME 04096 | RED TREE INSURANCE COMPANY, INC. | $412 | — | $412 | 1.88% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SVCS LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $329 | — | $329 | 1.50% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $649 | — | $649 | 10.01% |
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 | 539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 480 | $127K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 366 | $22K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 539 | $68K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 539 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $79K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.