| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $18K | — | $18K | 3.80% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $10K | — | $10K | 3.78% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 3.77% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $8K | — | $8K | 3.77% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $7K | — | $7K | 3.77% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 3.24% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $4K | — | $4K | 3.77% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 10.61% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.77% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $1K | — | $1K | 3.77% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $204 | $3K | 16.25% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $513 | — | $513 | 3.76% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET BUILDING A PORTLAND, ME 04102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $512 | — | $512 | 5.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $423 | — | $423 | 6.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $380 | — | $380 | 6.19% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $169 | — | $169 | 3.76% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $40 | — | $40 | 1.26% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | -$106 | — | -$106 | -19.10% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 98 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 210 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 157 | $9K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $109K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $86K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
No prospect flags tripped on this filing.