| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | HARVARD PILGRIM HEALTH CARE | $44K | $0 | $44K | 3.57% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 11.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 3.56% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $28 | $85 | $113 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 4.12% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $605 | $0 | $605 | 0.84% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $312 | $0 | $312 | 0.43% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 99 | $1.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 166 | $72K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 133 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $103K |
| Other | HARTFORD LIFE AND ACCIDENT | 133 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.