| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.80% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.80% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.16% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $219 | $3K | 1.44% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | STARMOUNT LIFE INSURANCE COMPANY | $12K | — | $12K | 6.41% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $5K | $10K | 5.58% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $437 | $2K | 1.23% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.64% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.64% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.22% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $101 | $1K | 1.52% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $6K | — | $6K | 11.00% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $5K | — | $5K | 9.22% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $3K | — | $3K | 5.90% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $876 | — | $876 | 1.59% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $583 | — | $583 | 1.06% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.47% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.09% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | $46 | $231 | 0.58% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.34% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $573 | — | $573 | 2.18% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $241 | $30 | $271 | 1.03% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | -$21 | — | -$21 | -0.08% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | -$32 | — | -$32 | -0.12% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 16.83% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $3K | — | $3K | 14.83% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $2K | — | $2K | 9.79% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 2.05% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 2.05% |
| PORTLAND, ME OFFICE,3 | DIRECT BUSINESS 1 MONUMENT SQ STE 500 PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 278 | $102K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 495 | $183K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 495 | $183K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 772 | $127K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $198K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $198K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 772 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.