| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $38K | $5K | $42K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 2.99% |
| 000NW6723 | MARSH MCLENNAN AGENCY LLC 2385 CONGRESS STREET PORTLAND, ME 04104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $985 | $9K | 13.37% |
| 000HG859-HPHC INSURANCE AGENCY, INC3 Filed as: 000HG859 | HPHC INSURANCE AGENCY, INC. 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.00% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $323 | $41 | $364 | 2.35% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HPHC INSURANCE COMPANY | 177 | $1.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 208 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.