| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $22K | $0 | $22K | 2.50% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $13K | $0 | $13K | 2.50% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | HARVARD PILGRIM HEALTH CARE | $11K | $0 | $11K | 2.50% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET, PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $4K | $0 | $4K | 2.50% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $6K | $0 | $6K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: 0005T303-MARSH & MCLENNAN AGENCY LL | 2385 CONGRESS STREET PORTLAND, ME 04104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 9.49% |
| 000HG859-HPHC INSURANCE AGENCY, INC3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.00% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $221 | $0 | $221 | 2.50% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 041043543 | HARVARD PILGRIM HEALTH CARE | $35 | $0 | $35 | 2.49% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 121 | $2.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF MAINE | 293 | $307K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $151K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $151K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $151K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $151K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.