| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $21K | $9K | $30K | 3.45% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $12K | $5K | $17K | 3.45% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $9K | $4K | $13K | 3.45% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $4K | $2K | $6K | 3.45% |
| CLARK INSURANCE3 | PO BOX 3543 PO BOX 3543 PORTLAND, ME 041043543 | AMERITAS LIFE INSURANCE CORP | $3K | $63 | $3K | 2.23% |
| CLARK INSURANCE3 Filed as: CLARK INC | PO BOX 3543 PORTLAND, ME 041043543 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.53% |
| CLARK INSURANCE3 Filed as: CLARK INS | PO BOX 3543 PORTLAND, ME 041043543 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.33% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. (G1850) | $1K | $0 | $1K | 9.94% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $85 | $35 | $120 | 3.47% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $26 | $11 | $37 | 3.52% |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 130 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 356 | $121K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 356 | $135K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 197 | $43K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $35K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.