| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $21K | $0 | $21K | 2.48% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $13K | $0 | $13K | 2.48% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $10K | $0 | $10K | 2.48% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 041043543 | AMERITAS LIFE INSURANCE CORP | $4K | $659 | $5K | 3.77% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $3K | $0 | $3K | 2.48% |
| CLARK INSURANCE3 Filed as: CLARK INS | 1945 CONGRESS ST STE A PORTLAND, ME 041021903 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.52% |
| CLARK INSURANCE3 Filed as: CLARK INS | 1945 CONGRESS ST STE A PORTLAND, ME 041021903 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.84% |
| CLARK INSURANCE3 Filed as: CLARK INS | 1945 CONGRESS ST STE A PORTLAND, ME 041021903 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.22% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $925 | $61 | $986 | 8.02% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $63 | $0 | $63 | 2.49% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $14 | $0 | $14 | 2.50% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 133 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 332 | $136K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 332 | $148K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $49K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $37K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.