| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 | — | HARVARD PILGRIM HEALTH CARE | $10K | $0 | $10K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (NY) LLC | — | HARVARD PILGRIM HEALTH CARE | $10K | $0 | $10K | 1.52% |
| ACADIA BENEFITS INC3 | — | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HARVARD PILGRIM HEALTH CARE | $6K | $0 | $6K | 1.52% |
| ACADIA BENEFITS INC3 | — | HPHC INSURANCE COMPANY | $6K | $0 | $6K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (NY) LLC | — | HPHC INSURANCE COMPANY | $6K | $0 | $6K | 1.52% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 1.78% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.10% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $921 | $0 | $921 | 0.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES NY LLC | ATTN ACCOUNTING 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $99 | $1K | 3.84% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 041014719 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $34 | $1K | 3.64% |
| CLARK INSURANCE3 Filed as: CLARK INS | 2385 CONGRESS ST PORTLAND, ME 041021932 | PRINCIPAL LIFE INSURANCE COMPANY | $710 | $0 | $710 | 2.22% |
| NORTHWESTERN MUTUAL LIFE INS CO3 | FIELD COMPENSATION 729 E WISCONSIN AVE MILWAUKEE, WI 532024703 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $373 | $373 | 1.16% |
| ACADIA BENEFITS INC3 | — | HPHC INSURANCE COMPANY | $459 | $0 | $459 | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HPHC INSURANCE COMPANY | $459 | $0 | $459 | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | ATTN ACCOUNTING 340 MADISON AVE FL 21 NEW YORK, ME 041014719 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $63 | $1K | 5.51% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 041014719 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $21 | $1K | 5.31% |
| CLARK INSURANCE3 Filed as: CLARK INS | 2385 CONGRESS ST PORTLAND, ME 041021932 | PRINCIPAL LIFE INSURANCE COMPANY | $663 | $0 | $663 | 3.16% |
| NORTHWESTERN MUTUAL LIFE INS CO3 | FIELD COMPENSATION 729 E WISCONSIN AVE MILWAUKEE, WI 532024703 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $245 | $245 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | ATTN ACCOUNTING 340 MADISON AVE FL 21 NEW YORK, NY 041014719 | PRINCIPAL LIFE INSURANCE COMPANY | $513 | $56 | $569 | 3.39% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 041014719 | PRINCIPAL LIFE INSURANCE COMPANY | $513 | $19 | $532 | 3.17% |
| CLARK INSURANCE3 Filed as: CLARK INS | 2385 CONGRESS ST PORTLAND, ME 041021932 | PRINCIPAL LIFE INSURANCE COMPANY | $281 | $0 | $281 | 1.67% |
| NORTHWESTERN MUTUAL LIFE INS CO3 | FIELD COMPENSATION 729 E WISCONSIN AVE MILWAUKEE, WI 532024703 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $195 | $195 | 1.16% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL ST 5TH FLR PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $514 | $6 | $520 | 7.54% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $116 | $0 | $116 | 1.68% |
| ACADIA BENEFITS INC3 | — | HARVARD PILGRIM HEALTH CARE | $8 | $0 | $8 | 1.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HARVARD PILGRIM HEALTH CARE | $8 | $0 | $8 | 1.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPOARATE SERVICES NY LLC | ATTN ACCOUNTING 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $355 | $355 | — |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 041014719 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $120 | $120 | — |
| NORTHWESTERN MUTUAL LIFE INS CO3 | FIELD COMPENSATION 729 E WISCONSIN AVE MILWAUKEE, WI 532024703 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$4 | -$4 | — |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 140 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF MAINE | 290 | $116K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | 126 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $32K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $17K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
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.