| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $30K | $0 | $30K | 2.07% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $16K | $0 | $16K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.51% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2385 CONGRESS STREET PORTLAND, ME 04104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $970 | $8K | 13.91% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.00% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $617 | $0 | $617 | 2.07% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $314 | $0 | $314 | 1.05% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HPHC INSURANCE COMPANY | 178 | $1.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 206 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $59K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $59K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $59K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $59K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.