| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GHM AGENCY, INC.3 | P. O. BOX 649 WATERVILLE, ME 04903 | HPHC INSURANCE COMPANY | $19K | — | $19K | 2.88% |
| GHM AGENCY, INC.3 | P. O. BOX 649 WATERVILLE, ME 04903 | HPHC INSURANCE COMPANY | $17K | — | $17K | 2.88% |
| GHM AGENCY, INC.3 | P. O. BOX 649 WATERVILLE, ME 04903 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 2.88% |
| GHM AGENCY, INC.3 | P. O. BOX 649 WATERVILLE, ME 04903 | HPHC INSURANCE COMPANY | $2K | — | $2K | 2.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GHM AGENCY, INC. NONE | Insurance agents and brokers Service code 22 | P. O. BOX 649 WATERVILLE, ME 04903 | $49K |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 143 | $1.7M |
| Prescription drug(4 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 143 | $1.7M |
| Other(2 contracts) | HPHC INSURANCE COMPANY | 143 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.