| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE A MARSH & MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $30K | $4K | $34K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE A MARSH & MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $11K | $1K | $12K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE A MARSH & MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $9K | $1K | $10K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE A MARSH & MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $5K | $743 | $6K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2385 CONGRESS STREET PORTLAND, ME 04104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 8.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 3543 PORTLAND, ME 04104 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 2.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE A MARSH & MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $2K | $255 | $2K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: CLARK INSURANCE A MARSH & MCLENNAN | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $2K | $217 | $2K | 2.99% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET BUILDING A PORTLAND, ME 04102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 157 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 208 | $139K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 208 | $151K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $161K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $161K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $161K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.