| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $24K | $39K | $63K | 4.90% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $5K | $9K | $14K | 5.19% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $3K | $5K | $8K | 4.98% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.20% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.18% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $143 | $230 | $373 | 4.95% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $77 | $125 | $202 | 3.76% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $410 | $0 | $410 | 12.01% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 144 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $13K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.