| 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 | $4K | — | $4K | 3.23% |
| 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% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA365 | $9K | $438 | $10K | 8.33% |
| B&B HOLDINGS INC3 Filed as: B&B HOLDINGS, INC | 106 LAYFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA365 | $9K | — | $9K | 7.96% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA367 | $4K | $211 | $5K | 8.30% |
| B&B HOLDINGS INC3 Filed as: B&B HOLDINGS, INC | 106 LAYFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA367 | $4K | — | $4K | 7.92% |
| COMBINED SERVICES LLC3 | 2 DELTA DR ST 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA655 | $6K | — | $6K | 11.16% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA655 | $6K | — | $6K | 10.42% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA655 | $402 | — | $402 | 0.74% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | RED TREE INSURANCE COMPANY, INC. | — | $3K | $3K | 10.12% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SVCS LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $378 | — | $378 | 1.52% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $562 | — | $562 | 2.49% |
| B&B HOLDINGS INC3 Filed as: B&B HOLDINGS, INC | 106 LAYFAYETTE ST STE 3B YARMOUTH, ME 04096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $562 | — | $562 | 2.49% |
| B&B HOLDINGS INC3 | 106 LAFAYETTE ST STE 3B YARMOUTH, ME 04096 | UNUM LIFE INSURANCE COMPANY OF AMERICA366 | $1K | — | $1K | 10.97% |
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 | 493 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 479 | $121K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 386 | $25K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA367 | 493 | $91K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA365 | 493 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA365 | 203 | $117K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA367 | 306 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.