| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $13K | $0 | $13K | 1.84% |
| ACADIA BENEFITS INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.49% |
| CLARK INSURANCE2 | — | HARVARD PILGRIM HEALTH CARE | $11K | $0 | $11K | 1.84% |
| ACADIA BENEFITS INC3 | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HARVARD PILGRIM HEALTH CARE | $3K | $0 | $3K | 0.49% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $9K | $0 | $9K | 1.84% |
| ACADIA BENEFITS INC3 | — | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 0.49% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $6K | $0 | $6K | 4.60% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.20% |
| CLARK INSURANCE3 Filed as: CLARK INS | 2385 CONGRESS ST PORTLAND, ME 041021932 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.87% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $676 | $0 | $676 | 1.84% |
| ACADIA BENEFITS INC3 | — | HPHC INSURANCE COMPANY | $181 | $0 | $181 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HPHC INSURANCE COMPANY | $181 | $0 | $181 | 0.49% |
| CLARK INSURANCE3 Filed as: CLARK INS | 2385 CONGRESS ST PORTLAND, ME 041021932 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.09% |
| CLARK INSURANCE3 Filed as: CLARK INS | 2385 CONGRESS ST PORTLAND, ME 041021932 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.75% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $920 | $0 | $920 | 10.67% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $38 | $0 | $38 | 1.86% |
| ACADIA BENEFITS INC3 | — | HPHC INSURANCE COMPANY | $10 | $0 | $10 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HPHC INSURANCE COMPANY | $10 | $0 | $10 | 0.49% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $9 | $0 | $9 | 1.78% |
| ACADIA BENEFITS INC3 | — | HARVARD PILGRIM HEALTH CARE | $3 | $0 | $3 | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | — | HARVARD PILGRIM HEALTH CARE | $3 | $0 | $3 | 0.59% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 126 | $1.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 309 | $122K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | 159 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $38K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $27K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.