| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&B HOLDINGS INC3 Filed as: B & B HOLDINGS INC | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 1.82% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVE PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 0.99% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 0.72% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.50% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.50% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.50% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.50% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 13.98% |
| COMBINED SERVICES LLC3 | 2 DELTA DR ST 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 9.32% |
| B&B HOLDINGS INC3 Filed as: B & B HOLDINGS INC | 106 LAFAYETTE ST SUITE 3B YARMOUTH, ME 04096 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 6.27% |
| UIG INC DBA UNITED INSURANCE3 | 470 FOREST AVE PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $938 | $0 | $938 | 3.58% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $387 | $0 | $387 | 1.48% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 9.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $703 | $91 | $794 | 6.77% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $0 | $200 | 1.97% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $0 | $200 | 1.97% |
| PORTLAND, ME OFFICE,3 | DIRECT BUSINESS 1 MONUMENT SQ STE 500 PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $681 | $0 | $681 | 8.37% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $618 | $0 | $618 | 7.59% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | $0 | $63 | 0.77% |
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 | 856 | 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) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 221 | $50K |
| Dental | DELTA DENTAL PLAN OF MAINE | 625 | $145K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 509 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 856 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $126K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $126K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 856 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.