| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $18K | $3K | $21K | 2.04% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $14K | $2K | $16K | 2.04% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $2K | $316 | $3K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 2385 CONGRESS STREET PORTLAND, ME 04104 | GUARDIAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.21% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY, INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $5K | $0 | $5K | 4.23% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $240 | $33 | $273 | 2.04% |
| CLARK INSURANCE3 | 1945 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $68 | $9 | $77 | 2.05% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 105 | $2.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 236 | $117K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 121 | $118K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 121 | $118K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 121 | $118K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 121 | $118K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 121 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.