| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $47K | — | $47K | 2.47% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC. | $36K | — | $36K | 2.30% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC. | $21K | — | $21K | 2.29% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $7K | $12K | 3.63% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 16.46% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 337 | $4.4M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,559 | $322K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,559 | $322K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 690 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $12K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 690 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,559 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.